davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Since XX/XX/23 I made a claim for {$2100.00} and claim was received and investigated from my child support debit card the funds were taken off of my card and transferred to a XXXX account that I never owned. This transaction took place on XX/XX/23 I didn't know about it until XXXX because I wasn't getting any alerts that I was receiving benefits on this card as the company changed child support debit cards to new Bank of America cards. I spoke with representative on XX/XX/23 & XX/XX/23 and it seems they didn't even bother to take their time out & just dismissed my claim. So I requested for a reconsideration because I wasn't at fault. They need to have their systems updated for transaction alerts as well as fraud alerts. I am waiting on a letter from them in mail hopefully I get it so I can proceed with a full police report. I shouldn't have to be going through this for my child support money. Claim number XXXX for Bank of America XXXX child support debit card.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-20
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. (IL)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem,
Consumer complaint received 2016-11-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Choice Recovery, Inc. (IL)

This bill for {$130.00} I do not owe.I did'nt ecieve a statement untill 2 years after my appoitment, I paid my deductable the same day of the appoitment, XXXX should have submited the charges to my insurance ( Wellcare ) at that time.I did'nt have that insurance after that year, I had to change it.But they did'nt bill me untill XXXX years after the appointment which I am not responsable for!
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I attempted to transfer my hard earned Capital One travel points to my XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2023 as I am looking to book air tickets for me, my XXXX  years ' old husband and my son around XXXX as I am getting a good deal. The first transfer of XXXX points went through immediately. The second attempt at transferring about XXXX points has been under " pending transfer '' for over 3 days now. The confirmation code that I received on the Capital One app that shows pending transfer is XXXX and it says that the typical transfer happens in 1 business day. However, these points are stuck and Capital One has been nothing but unhelpful in getting this fixed. I called the customer service and was told that they were worried that the transfer was fraudulent. After I verified all my details, they said that they realize that the transfer is legit but they have no way of manually ( a ) completing this transaction, or ( b ) canceling this transaction for the points to show back into my Capital One account. Needless to say, the deal for the ticket that I was attempting to book has ended and it will cost me {$1000.00} more to buy the same ticket. It is disgusting that a company like Capital One is making us XXXX  XXXX  suffer.
Consumer complaint received 2023-07-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

I took out an auto loan with US AUTO Sales on XX/XX/XXXX for a XXXX XXXX XXXX. While I was late on some payments a few times, I was never notified that my account would be closed. 
My last payment was XX/XX/XXXX. 
My account was closed and sold to a company called XXXX XXXX XXXX on XX/XX/XXXX. 

When I saw the change to my credit and that the account was closed, I tried to go to US Auto sales location in my city of XXXX, GA and was surprised to find that it was closed. All of them are now closed. It would appear that the company itself has/is dissolving and sold all of their loans to debt collectors. 

My problem here lies in the change to my credit. My XXXX XXXX dropped almost XXXX points because it shows I paid off my account, when clearly I did not. Meanwhile, I still have to pay to the debt collector ( Westlake Portfolio Management ), and those payments/account are nowhere to be seen on my credit. 

At the end of the day as a consumer, I was using the car loan to build my credit as well. My goal with this complaint is to hopefully repair my credit before I have to find a new apartment this year! 

To whoever is reading this, thank you.
Consumer complaint received 2023-06-13
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc (OK)

On the dates of XX/XX/23, XX/XX/23, and XX/XX/23, I was charged {$260.00} to my account by XXXX. ( {$800.00} total ) These charges were unauthorized, and I have made numerous attempts to rectify the situation with my bank. Regrettably, all three disputes have been denied without proper investigation or consideration of the evidence I provided. 

To establish the legitimacy of my claim, I contacted XXXX directly, and they confirmed that there are no corresponding charges on my account. I promptly provided this documentation to my bank, expecting a fair and thorough investigation into the matter. Despite my efforts, the bank continues to dismiss my dispute and fails to acknowledge the evidence at hand. 

In an effort to prevent further unauthorized charges, I requested a new debit card from my bank. However, to my dismay, I was charged once again on XX/XX/23, and my dispute claim was denied within a mere 8 hours, showing a lack of proper scrutiny and investigation. 

The bank 's justification for their actions based on my activity and spending habits is unfounded and does not align with the evidence provided. I have always been diligent and responsible in protecting my account and have promptly reported any suspicious activity. It is disheartening that my bank has failed to acknowledge this and address my concerns appropriately. 

I am seeking your intervention and assistance in rectifying this matter. I kindly request that the Consumer Financial Protection Bureau thoroughly investigates the handling of my disputes by Chime Bank. Additionally, I request that the bank is held accountable for its negligence and the undue stress and inconvenience caused by their disregard for my valid concerns.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
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. (OH)

I received notification of a collection on my report after it appeared within a day of each other from XXXX and XXXX. Please see complaint XXXX. 

XXXX, a collection agency, apparently purchased a debt from XXXX XXXX (? ) that I did not owe. I don't know how they got my information but it does not belong to me. 

I never received any correspondence from them. I never received any bill from them. I have not been in receipt of any wet ink signed contract stating or affirming that I received services or money from them and agreed to pay them. We have never had any contract. This is an attempt to taint my credit file after I have worked so hard to make it what it is, and fraudulently steal money from me that is not owed to them. 

According to 15 USC 1692 in FDCPA, it is illegal for a Collection Agency to purchase one 's debt and then try to collect on it.
Consumer complaint received 2023-06-13
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)

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 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 2023-06-13
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. (TN)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation (CA)

I received a credit card I did not request. I called the company to advise that I didn't request a card and did not want it. I was told by the representative that he was sending me an email verifying the closure of the account and removal from my credit history. I received a text message asking how the representative did his job. I responded with that was not what I wanted I requested verification of the account closure and removal from my credit.
Consumer complaint received 2023-06-26
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (FL)

At XXXX est. Resurgent debt call my phone that was answered by my fiance and with her verifying only my date of birth was able to be told I owed a debt to XXXX for XXXX from XXXX. After I met up and got my phone I was handed over to the lady on the phone which proceeded to tell me that I owed this debt when I call her out for sharing my information he denied all information. I asked to talk to a manager and was told that there was not one. I asked to have a manager to call me. The response was would you like to take care of the debt. My response was I want a manager you gave out information that has nothing to do with my other have. Then there was long silence. This debt was taking care of back in XXXX or XXXX. I owe nothing.
Consumer complaint received 2023-06-13
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. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC. (OK)

I originally had a credit card debt approximately in XXXX with XXXX XXXX  in the amount of {$16000.00}. I was on the verge of bankruptcy and I offered {$8000.00} and they refused. They sold the debt to Midland Funding in approximately XXXX. Midland funding originally wanted $ XXXX to settle, my lawyer offered them {$3000.00}, they refused the {$3000.00}, then they offered approximately {$8700.00} to settle, which I agreed, while trying to get the funds to pay this amount, they back to the original {$16000.00}. I refused the {$16000.00} as I didnt have the funds. They filed a lawsuit and got a judgment for $ XXXX, I did not show up to the court hearing as my lawyer advised me not to show up to court. Then they filed a XXXX on my farm property. My wife and I only have social security for income. I was diagnosed with XXXX 2 years ago. I also had a TIA attack and have XXXX XXXX XXXX. 
Midland Funding has a consumer bill of rights that should forgive this debt due to my health and income.
Consumer complaint received 2023-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-13
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. (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 XXXX  is being investigated by the FTC and Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (AZ)

In XXXX of XXXX my loan was sold by Guaranteed Rate to Chase Home Lending. During the time of transference, I had established an automated payment through my US bank account to issue a physical check to the address listed on the paper bill. After approximately three weeks, i did not see the payment process through on the account. I reached out to Chase and they said that they did not receive the funds. In order to prevent a lapse in payment, i processed an over the phone payment. A week later, the physical check showed up at the Chase address listed on the back of the statment and was processed. Chase informed me that the address the check was made out to was not a valid receiving center for their company. I disputed the statement with proof of address on the documents received in the mortgage transfer. Chase requested a copy of the cashed check image and i provided it to them showing that the check was received and automatically deposited by their processing center into a XXXX account. Chase denied any wrongdoing and stated that i sent the check to the wrong address. After an internal investigation, they report no error in receipt of the funds. I had told them that i would need to dispute the check with XXXX Bank and they would have to sign off that they did not receive the funds. They claimed it was fraudulently endorsed and told me that i would not be punished on my credit due to the mortgage transfer grace period. I was able to bring their balance current while awaiting the resolution with us bank to retrieve my funds. After further investigation, I've learned that the XXXX XXXX XXXX XXXX mailing address is a third party/subcontracted bulk payment processing center. This was the address listed on the back of the bill as an acceptable address and representative of Chase and its affiliates. Any errors incurred by their affiliate is an error incurred by Chase. I've provided copies of my statement, check and attempts to communicate with Chase.
Consumer complaint received 2023-04-20
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. (CA)

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. Please see these inquiries are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX Inquiry Date XX/XX/2022 XXXX XXXX Inquiry Date XX/XX/202XXXX XXXX
Consumer complaint received 2023-06-13
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. (NJ)

On XXXX I flew into XXXX XXXX XXXX and my luggage was stolen. Inside the luggage were my drivers license, birth certificate, social security card, and debit cards. Over the course of a few months I began to notice that my information was used to obtain medical treatment, credit, banking accounts, and public service utilities. I contacted Transunion, XXXX and XXXX respectively to make them aware that there was debt incurred fraudulently and that it was reporting negatively to my consumer report. I disputed those items and placed fraud alerts on my consumer report over the years but Transunion, XXXX and XXXX continue reporting each fraudulent account despite my numerous disputes over the last 7 years almost. A police report has been filed.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.