davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (AZ)

I am writing to formally dispute inaccurate information on my consumer report. It has come to my attention that your agency is reporting information on my consumer report without my consent, thereby failing to apply maximum accuracy in accordance with your vital role in assembling and evaluating consumer credit information as stipulated in 15 U.S.C. 1681 ( a ) ( 3 ).

Furthermore, I am aware that your company policy requires you to maintain written consent from me, the consumer, authorizing you to report any account on my consumer report. Federal law under 15 U.S.C. 1681b requires that you must have either court jurisdiction or a handwritten letter from me giving you permissible purpose to report such information. Your failure to adhere to these requirements constitutes a violation of my privacy.

Additionally, as a financial institution, you are obligated to uphold maximum privacy of my nonpublic personal information pursuant to 15 U.S.C. 6801 ( a ), which states that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

Moreover, I demand that your agency immediately cease and desist all illegal activities and all mediums of communication related to the collection of this alleged debt. Your persistent attempts to contact me at inconvenient times have caused significant disruption and damages, affecting my business hours of operation. I am fully aware that a medium of communication also includes my consumer report, and I demand the deletion of the account reported on my consumer report. 

I demand that your agency promptly investigate this matter and remove the inaccurate information from my consumer report. Please provide me with a written response detailing the actions you have taken to rectify this situation within 30 days of receipt of this letter. 

Failure to comply with these demands will leave me no choice but to pursue all available legal remedies to protect my rights and seek compensation for the damages caused by your actions.
Consumer complaint received 2024-09-19
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: TrueAccord Corp. (TN)

I received an email about a debt of XXXX from TrueAccord XXXX trying to collect money from an account I do not owe! Address XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX They have the incorrect name and incorrect address. I have not been had a maiden name for 15 years maybe longer and I have not lived at the address in almost XXXX. This is considered a skeleton debt ( if it was even owed? ) that these bottom feeders are trying to scare people into paying because they are awful people! I DO NOT OWE THEM OR ANYONE FOR SAID DEBT. Obviously, the last bottom feeder XXXX XXXX could not provide the information requested so neither will this company! This should be illegal when the documents are non-existent and I am sick of this. It is costing me time and money. Where is our protection for scum like this? STOP CONTACTING ME
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

I applied for a credit card with XXXX XXXX XXXXXXXX several weeks ago. I got a letter from them saying they got a " no hit '' on my report from Experian. Similarly, when I logged onto experian.com and went to my credit report section, I got the following message : " Sorry, we can't show you today 's report. This might mean that your lenders have different personal info for you than we do. Until this issue is resolved, you won't be able to see your report. '' The only lender I have is XXXX. I checked their system and all information matches. 

When I sent a form request to Experian asking to explain what the issue is, I got the following response : " Thank you for contacting Experian XXXX. I understand your concern about your credit score and I will be more than happy to assist you. 

However, you have contacted Membership Services and I am unable to access the information needed to assist you. You would need to contact Consumer Information Services to process this request. Please give them a call at XXXX. '' From there, I called the number I was given. However, there was no available option to reach a live representative to resolve my issue. I am now stuck in limbo and I will be denied on my credit card application in 20 days from now if I can not resolve this issue.
Consumer complaint received 2024-09-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

My school and state, XXXX XXXX XXXX XXXX XXXX, were apart of the XXXX state lawsuit against Navient for predatory practices with private loans. I was attending said school during XX/XX/XXXX to XXXX of XXXX and had private loans with XXXX XXXX who were later transferred to Navient. I never had my loans dismissed as the settlement agreement stated and still are paying them. I have reached out to them on numerous occasions without any reason why they weren't dismissed when I meet the criteria for dismissal. All payments that I have made over the course of the past XXXX plus years have only went to interest and my payoff date and amount continues to increase.
Consumer complaint received 2024-09-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (VA)

they have repeatedly called me and have repeatedly called me multiple times while Im working. They call me all hours of the day sometimes night and are very rude and ignorant to me. I am a person that suffers from XXXX XXXXXXXX. I have not worked in XXXX or XXXX XXXX  and Im just getting back to work now. I have been fighting for my XXXX XXXX and did not get it and finally gave up and went back to work. Why with all the students that that I have would I get a credit card I could not afford to pay.
Consumer complaint received 2024-09-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

My mom sent me {$400.00} via PayPal. I didn't ask for the money and thought she shouldn't send me that much money, so I graciously accepted {$100.00} with gratitude for groceries for my children. As a single mom, any financial help is good, times are tough. 
I sent back {$300.00} to the account that I thought was my mom 's. The same name. The email address she's used forever. I didn't think twice because everything matched up. However, the account was not owned or connected to my mom and she never received the {$300.00}. PayPal told me to reach out to the person who received the money and ask for a refund, which I did, several times to only receive XXXX mysteriously deposited into my account. I have called PayPal and sent messages. I have asked my mom to do the same. She claims she never received the money and that account is not in any way connected to her. I honestly don't understand why PayPal can't cancel the transaction or refund the money. I tried to cancel the transaction, .but that option wasn't even available to me. I really hope someone can help me with this. This is a lot of money for someone who is on a fixed income. This is devastating to me on behalf of my mom. I feel awful this happened and want to help and make sure she gets her money back. Please, if you could help me, I would greatly appreciate it. 
Thank you!! 
: )
Consumer complaint received 2024-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO. (FL)

This is concerning a Chase residential mortgage. As of XX/XX/XXXX, I owe {$1800.00} on the principal of my home mortgage after 30 years paying it down, with a monthly payment of {$320.00}, and with {$8.00} going towards interest payment. When I purchased the property, I put a down payment in excess of 20 %, thereby avoiding the required PMI and escrowing of property taxes. I have NEVER not paid my property taxes. Chase has NEVER paid property taxes on my behalf. 

On XX/XX/XXXX, Chase sent me a letter REQUIRING me to pay to them my property taxes for them to hold in escrow. Toward this end, they have therefore raised my monthly payment from {$320.00} to {$640.00}! 

I am not aware of any legal basis for Chase to be able to require this of me. I am asking your bureau to investigate this predatory practice. It's almost like they aren't making any interest on the remainder of my loan, and to make up for this " shortage, '' now want to make interest on the money they intend to hold for my property taxes, which for me are payable, in XXXX XXXX XXXX Florida, at my discretion and convenience, anytime from XXXX, XXXX through XX/XX/XXXX.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: GLOBAL CREDIT UNION (CA)

MyXXXX  received a fake check from a scammer and tried to warn the bank in advance so they would not release any funds to XXXX  which I would eventually be financially liable for. I had/have proof that the check was fake and explained the situation to them and they went ahead and allowed her to deposit the check and start withdrawing funds from it.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Please Remove and Delete these accounts immediately as they were opened fraudulently without a valid written signature of the original contract. I never had a contract with these debt collectors for any debt. Please provide proof from the original creditors that these debt collectors own these debts with the purchase agreement and have the legal authority to collect it or delete these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank You in Advance for your Cooperation.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

Notice XXXX XXXX XXXX XXXX XXXX And XXXX XXXX XXXX FCRA Section 611 & 617 If Unverified items listed below are not deleted immediately. A copy of this letter as well as copies of XXXX written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

XXXX XXXX XXXX. XXXX XXXX XXXX ( creditor Superior XXXX Michigan ) Derogatory marks : XXXX XXXX XXXX XXXX. Equifax and XXXX XXXX. XXXX collection ( creditor XXXX and XXXX company ) XXXX. XXXX collection ( creditor Progressive ) Derogatory marks : XXXX collection XXXX collection Hard inquiries by : XXXX XXXX fed XXXX XXXX bank XXXX NC XXXX, I did an investigation on my credit report and found these items to be inaccurate. I never gave consent to put these items above on my credit report you are violating 15 U.S. Code 1681B of Permissible Purpose. Please provide the following request : or must be deleted from credit report immediately. 

XXXX. Copy of the original contract XXXX. Copy of payment history XXXX. Name and address of original creditor XXXX. Proof of the debt assignment Recently, I did an investigation on my credit report and found these items to be inaccurate. Please provide the following request : or must be deleted from credit report immediately. 

Under 15 U.S. Code 1692g validation of debts. I do not recognize how this account is reporting on my credit report. I dont recognize the accounts number, I dont recognize the account status, I dont recognize the account High balance, everything reported here does not meet the FCRA Please remove the following items from my credit report, immediately : XXXX XXXX
Consumer complaint received 2024-09-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (UT)

Your front door ran an XXXX XXXX of the amount of XXXX which they admitted they wrongly ran and even wrote to XXXX XXXX about this at nothing has been done to rectify this situation other then have it get reported on my credit which has ruined me getting anything, The FBI is also involved
Consumer complaint received 2024-09-18
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (MO)

Care Credit Went to XXXX dental during the process I was told about care credit which helps pay for procedures at intrest rate of 29 % for XXXX but was told no intrest for a period of 6 months with no early repayment fee 's. The issue is the intrest started immediately. I did not contact Care Credit as of yet due to all the fact that this seem extremely common for this company and cards. 

This seems very predatory for people that already don't have the money to do the procedures to go into cripling dept right after, alot of people don't realize what 29 % actually means for them.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

From XX/XX/XXXX to XX/XX/XXXX, I reached out to Equifax, XXXX, and XXXX, asking them to investigate Account Name : XXXX XXXX XXXX XXXX, Account XXXX. They claim to have done their due diligence with their investigation, but there are still multiple inaccuracies across all three consumer reporting agencies ( Equifax, XXXX, and XXXX ). These inaccuracies are highly injurious to my credit report and my credit score. In accordance with 15 USC 1681e : Compliance procedures subsection B " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Listed below are just a few of the inaccuracies. 

Highest Balance : XXXX- {$5000.00} Equifax- {$3500.00} XXXX {$5000.00} Date of Last activity : XXXX- XX/XX/XXXX Equifax- XX/XX/XXXX Transunion- XX/XX/XXXX
Consumer complaint received 2024-09-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (NJ)

I was victim of Identity Theft. That's the reason why I want to remove it immediately from my credit report because is affecting my score in a negative way. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-31
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)

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-19
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: JPMORGAN CHASE & CO. (AL)

I am not liable for this debt with JPMCD Card, I dont have a contracts with JPMCD Card, they did not provide me with the original contract as i requested Desired Outcome/Settlement Desired Settlement : Other ( requires explanation ) correction to my credit report, I demand this account be removed from my credit report Message to the Consumer on Thursday, XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX Dear XXXX XXXX : This message is in regard to your complaint submitted on XX/XX/2024 against JPMorgan Chase Credit Card . Your complaint was assigned ID XXXX. 

Your complaint has been sent to the business for their response. Once they have responded to the XXXX, we will contact you again. In the meantime, please allow 4 - 6 weeks to receive a response to your complaint.

The text of your response may be publicly posted on the XXXX  Web Site ( XXXX  reserves the right to not post in accordance with XXXX  policy ). Please do not include any personally identifiable information in your response. By submitting your complaint, you are representing that it is a truthful account of your experience with the business. XXXX  may edit your complaint to protect privacy rights and to remove inappropriate language. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-16
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. (GA)

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I was made aware a XXXX XXXX account was opened in XXXX  under a number XXXX which never belonged to me, they also listed an address I did not identify with. I made the creditor aware of how the reporting of this account is affecting me on a mental and financial level. No validation of account was provided, just a hang up after receiving address and phone number tied to this account. This creditor will not allow me to dispute the account with them directly. I have no other request but for this account to be removed from my report. I have never communicated or given this creditor permission to furnish any account on my credit report.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

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!
Consumer complaint received 2024-10-16
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: Experian Information Solutions Inc. (OH)

I noticed inaccurate information roughly XX/XX/XXXX. I disputed but was ignored. Now 2 years later, there are further inaccuracies, in addition to knowledge that I have never given my wet ink signature towards authorization of reporting. 

Violation of 15 U.S.C. 1681c-2 Alleged Identity Theft According to 15 U.S.C. 1681c-2 ( a ), a consumer reporting agency is required to block the reporting of any information identified by the consumer as resulting from alleged identity theft. This blocking must occur no later than four business days after the receipt of such notice. 

This letter serves to supply the FTC affidavit number and relevant documentation related to my identity theft claim. The accounts listed below are part of an official FTC filing, and I demand that these fraudulent accounts be deleted immediately from my consumer report. 

FTC XXXX XXXX : XXXX -- -- -- - Violation of 15 U.S.C. 1681b Unauthorized Furnishing of Consumer Report Under 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report only under specific permissible circumstances, one of which requires the written instruction of the consumer. I hereby declare that I have never provided written ( wet ink signature ) consent for any consumer reporting agency to furnish information regarding the accounts in question. 

Without my written permission, you do not have authorization to include or share these accounts on my consumer report. This unauthorized furnishing of information constitutes a violation of my rights under federal law. 

All inquiries, reported credit lines that can not provide a wet ink signature ( not digital ) to the Big XXXX be removed immediately. Any reports should be scrutinized for compliance with verifiable wet ink signature on file. 

An example is included below : One reporter claims {$600.00} is agreed upon, while this document attached below, current as of XX/XX/XXXX, shows that my " obligation '' is {$280.00} bi-weekly. As these numbers are inaccurate, and the reporting unauthorized, it needs to be removed. 

This holds true for all accounts. All of them have discrepancies in credit line amount ( I was issued no credit, and have had no access to these funds at any point in time ), payment information, and certainly have no wet ink authorization from me to report.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Kindly remove these addresses I will provide my documents to verify my address. 

Inaccurate Addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The only address I have is XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX The only name that should be reporting on the file is XXXX XXXX XXXX - remove any other names that isn't my name.