davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Newport Intermediate Inc. (CA)

On or about XX/XX/XXXX I noticed XXXX fraudulent transactions showing on my account [ ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn or about XX/XX/XXXX, ONBE ( card issuer ; aka MyPaymentVault ) acknowledged receipt of my request for a fraud investigation regarding the XXXX listed charges. 

On or about XX/XX/XXXX, ONBE sent a message to me stating that their investigation was complete and that they had issued a fraud payment to me in the amount of {$74.00}. They stated that they found the charges at XXXX XXXX and XXXX XXXX  were made fraudulently, but that the charges at XXXX XXXX XXXX would not be reimbursed to me. 

On or about XX/XX/XXXX, I replied to the findings requesting to appeal the decision and to have ONBE ( XXXX ) forward all documents related to the investigation, ( XXXX ) provide details on how fraud was or was not determined in each transaction occurring from XXXX XX/XX/XXXX thru XXXX XX/XX/XXXX, and ( XXXX ) re-open the investigation. 

Since my initial request to appeal, I have re-sent my demands several times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and all have gone unanswered.
Consumer complaint received 2024-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

Have contacted JPM Chase multiple times regarding charge of {$32.00} for XXXX XXXX XXXX which the hotel acknowledged was incorrect. After repeated attempts to resolve directly with the hotel they did not follow through with their acknowledged error. 

A dispute was filed with JPM and while an initial credit for {$32.00} was given the transaction was tagged as " REBILL '' and backdated with a transaction date of XX/XX/year> and a posting date of XX/XX/year>. No notice or other information is viewable and no option to dispute this charge. I believe proper notice or explanation by JPM Chase should be given especially since the hotel itself acknowledged its error.
Consumer complaint received 2022-09-13
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)

TRANSUNION I am the natural living man, Executor, trustee, beneficiary and legal copyright owner of the said name as shown on my social security card and birth certificate, and all other variations of such name/entity. I have sent the necessary documents proving my sole ownership. XXXX has yet to respond to my request/dispute and it has been well over 30 days since the notice has been received by TRANSUNION which is a direct violation of 15 USC 1681i ( a ) ( 1 ) ( A ). According to my congressional findings Pursuant of 15 USC 1681b ( 2 ) - A consumer has the right to DEMAND remedy by means of written or oral communication. In addition, based on the due diligence I have done, according to 15 USC 1681 ( a ) ( 1 ) - Congressional findings and statements of purpose : 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. As TRANSUNION would know, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the for the consumers right to privacy. I am afraid that TRANSUNION has not been exercising their grave responsibilities that were given to them, nor performing reasonable procedures for meeting the needs of the commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to me, the consumer, regarding the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of 15 USC 1681b Reasonable Procedures. I have remained humble throughout these past couple of years despite all the stress, abuse, and harm that TRANSUNION has caused me. I have had enough of the abuse and unfair practices from TRANSUNION. Pursuant of 15 USC 1681b ( 2 ), I did not give TRANSUNION any form of written instructions to accept, furnish, or report any information on my behalf. By the powers vested in me by the TRUE living GOD, I hereby DEMAND that all Negative accounts, Late Payments, Inquiries, Delinquencies, Charge Offs, that was not Authorized or Verified by me, the consumer, in written format to be Updated IMMEDIATELY according to 15 USC 1692g ( a ) ( 4 ).
Consumer complaint received 2024-10-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc. (TX)

XX/XX/year>- I had XXXX at a XXXX  hospital, XXXX XXXX XXXX. I chose this option rather then the regular hospital because all services were included in payment plan that has been paid in full. My part was {$2400.00}, after insurance. 

I do not recall having a contractual relationship with this collection company. Please provide proof that this belongs on my credit report and that my rights have not been infringed upon, otherwise, terminate this account immediately and remove from my credit report. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collections.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (MD)

Synchrony Bank, acting for XXXX XXXX, sent me a collection letter via US Mail, for a minimal amount ( less than {$50.00} ) that they said was past due. Neither XXXX XXXX nor Synchrony Bank ever informed me prior to that time that I owed XXXX XXXX any amount before they sent the collection letter and reported my account as past due to the credit reporting agencies. This ruined my near perfect credit rating, This is a clear violation of the Fair Credit Reporting Act and is an undue and deceptive trade practice, which should be stopped immediately. As soon as I first became aware that there was any balance due, I paid it off immediately ( even though I wasn't sure that I owed the amount at all ) and closed the account so that it could never happen again.
Consumer complaint received 2024-10-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc. (GA)

I can confirm that the response provided by UCB does not meet the legal standard for a debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. When a consumer disputes a debt and requests validation, the debt collector is required to furnish specific and detailed information to verify the legitimacy of the debt. This must go beyond a mere statement that the debt was substantiated previously.

In accordance with the FDCPA, the debt collector must provide : 1. The amount of the debt ; 2. The name of the creditor to whom the debt is owed ; 3. Detailed verification, which may include account records or supporting documentation showing that the debt is legitimate ; 4. A statement of the consumers rights, including the right to dispute the debt within 30 days of receiving the notice.

Merely stating that the debt was previously substantiated is insufficient under the law. UCB must provide detailed documentation or verification of the debt in response to my request. Without such information, the debt can not be properly validated, and UCB would be in violation of the FDCPA.

As a consumer, I exercised my rights under the FDCPA, 15 U.S.C. 1692g, by requesting proper validation of the debt from UCB. In response, UCB merely informed me that substantiation of the debt was mailed on XX/XX/2024 but failed to provide any supporting documents or the legally required information, such as the amount of the debt, creditor details, or any other verification. This response does not fulfill the requirements of the FDCPA. 

I respectfully request that UCB either provide the proper debt validation as outlined in the FDCPA, or remove the debt from my credit report and cease all collection activities until they comply with their legal obligations.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX IS REPORTING MY ACCOUNT INCORRECTLY. THE ACCOUNT OPENED IN XXXX AND THE BALANCE REPORTED ( {$XXXX} ) IS WRONG. I HAD A XXXX BALANCE AT THE TIME IN XXXX AND DID NOT EXCEED THE CREDIT LINE OF {$XXXX}. THE INCORRECT REPORTING REDUCED MY XXXX XXXX XXXX POINTS. 

REQUESTING XXXX  XXXX TO FIX THE DETAILS IMMEDIATELY ON MY TRANSUNION AND XXXX REPORTS
Consumer complaint received 2024-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (NY)

I have been a victim of identity theft that was discovered earlier this year 2024. Upon discovery of this I immediately submitted an FTC report documenting the crime. Because I didn't have all the individual stolen accounts and fraudulent charges, I documented an estimated amount on the report which was accepted as valid. 
This particular debt collection attempt from Debt collection agency Credit Control , LLC with original creditor XXXX XXXX in the amount of {$1700.00} is included in this. 
I have already disputed this collection attempt with XXXX XXXX  which they recognized as fraud and had closed the account. 
This is now being pursued by another agency and again it is in dispute and is not valid, I do not owe this debt and am not responsible for debts that were obtained fraudulently and illegally. 

XXXX XXXX XXXX
Consumer complaint received 2024-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/XXXX, I opened and funded a brokerage account using my checking account. However, Wells Fargo subsequently closed the account but failed to return the funds. On XX/XX/XXXX, I contacted over XXXX representatives in an effort to recover the {$50.00}. Despite escalating the issue to the XXXX XXXX XXXX, the funds have still not been returned.
Consumer complaint received 2024-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (NY)

I have a debt collection attempt from agency Credit Control , LLC dba XXXX XXXX XXXX XXXX XXXX, in the amount of {$910.00} from original creditor XXXX XXXX XXXX. 
I am not denying I had this credit card, however I have been a victim of identity theft that was discovered earlier this year that has been documented and I have an identity theft affidavit through the FTC as well as an inquiry to my local police department and also fraud alerts and freezes on all my credit reports once this was discovered. 
This particular account XXXX XXXX XXXX  in the form of a XXXX XXXX  card was used responsibly and had an original credit limit of {$500.00}. I never exceeded that amount and had paid this account down to a XXXX balance. 
It was somehow reopened and used fraudulently not by me and I have submitted a claim is to this with the previous debt collector that tried to collect this debt. 
This is not mine and I am not responsible for these fraudulent charges on a reopened account not authorized by me. 

XXXX XXXX XXXX
Consumer complaint received 2024-10-15
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: ProCollect, Inc. (LA)

This company is violating my rights they have not provided validation XXXX XXXX XXXX XXXX XXXX ( b ) ( XXXX ) yet they have placed a collection on your consumer report recently. I had made previous attempt to reach out to them to fix this problem. They are violated my rights and I'm entitled to {$1000.00} for every violated I listed, either they paid me or removed/delete this account like ASAP.
Consumer complaint received 2024-07-08
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. (IL)

I've recently received a copy of my credit report and noticed inaccuracies and unauthorized inquiries, and accounts/information reporting my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (MI)

I have been sending in negotiable instruments to JP Morgan Chase for my credit card for several months now. They have signed for via registered mail and green return receipt and kept every instruments I sent to tender my obligation. I have reason to believe their practices constitutes securities fraud based on what their SEC filings state and the return of a securitized audit.
Consumer complaint received 2024-10-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (CA)

CFPB My name is XXXX XXXX and I am a customer of Square with email address XXXX I want to bring to your reputable attention that square is running a bad business full of criminality and holding of customer funds for years without refunding customers upon account closure. 

This is a breach of agreement from square, and their company needs to be shut down for such violations on how they treat customers as I believe that I am not the only one Square us doing this to On multiple occasions, I reached out to Square to escalate this issue for a resolution, but I never received any information. 

Please note that I have 100 % legal ownership of my business and I am entitled to my funds on my square account. 

I had continued to follow up but I have never received any resolution since XXXX  and this ongoing lack of resolution from Square is unacceptable.

And because of this, I am requesting XXXX assistance in resolving this matter as square keeps saying that they are not able to provide any information. The is unacceptable. 

I am attaching documents showing the balance I have on my Square in the amount of {$4400.00} which I have not been able to withdraw to my bank account since XXXX that Square closed my account. 

I do not have any pending dispute which could warrant square from holding my funds. 

I am also attaching a document showing that the last dispute I had on the account was finalized on XX/XX/year>. 

I am also attaching another screenshot proof showing the last day I did a transaction on my Square account which was on Wednesday XX/XX/year>. 

You could see that since XX/XX/year> after my Square account was deactivated, square has decided to withhold my funds for over 2 years now without releasing to me and without any justifiable reasons. 

I have 100 % legal ownership of my business and the funds I got into my square account on my name and I need my money released to me. 

Square is fraud and they are thieves.

I need Square to make my money available and remove the hold they placed on my funds since XX/XX/year>. 

Square recently told me that the reason they are holding my funds is because they are putting my money in reserve to cover chargeback. I will attach where they said so. 

They are thieves and their license should be revoked because I do not have my chargeback on my account and there is no open dispute since XXXXXXXX so why are they lying and holding my funds for over 2 years now? 

Please revoke their license because they are running a criminal organization. 

I will attach a response where square said they are putting my funds in reserve to cover chargeback. I do not have any chargeback on my account
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: AMERICAN EXPRESS COMPANY (FL)

( 1 ) XXXX XXXXXXXX # XXXX THIS ACCOUNT IS REPORTING AN INACCURRATE BALANCE AND REPORTING DATE .IT IS A CHARGE OFF. I ASKED FOR SIGNATURES AND DOCUMENTS FOR THE ORIGNAL CONTRACT. I NEVER RECEIVED ANY PROOF. IT COMES BACK VERIFIED EVERYTIME. 
( 2 ) XXXX XXXX XXXX. WITH THIS ACCOUNT I HAVE DISPUTED AND ASK FOR THE ORIGNAL CONTRACT AND THE METHOD OF VERIFICATION. MY INVESTIGATION COMES BACK VERIFIED WITH OUT ANY PROOF OF HOW IT WAS VERIFIED. 
( 3 ) XXXXXXXX XXXX XXXX XXXX THIS ACCOUNT IS INACCURRATE AND IT WAS SOLD TO XXXX  XXXX XXXX IS A COLLECTION. BOTH OF THESE ACCOUNTS ARE REPORTING THE SAME DEBT. THE REPORTING IS INACCURRATE ON XXXX AND XXXX NOTHING MATCHES UP ON THE REPORTING. PLEASE DELETE ( 4 ) XXXX THIS ACCOUNT IS REPORTING INACCURRATE DATE OPEN. DATE OF LAST ACTIVITY ON XXXX AND XXXX EVERYTHING IS INACCURATE REPORTING NOTHING IS THE SAME. I ASK FOR THE METHOD OF VERIFICATION.I WAS NOT GRANTED ANY PROOF OF HOW THEY VERIFIED THE ACCOUNTS. ( 5 ) XXXX XXXX XXXX XXXX THIS ACCOUNT IS A CHARGE. IT IS REPORTING INACCURATE DATE OF LAST ACTIVITY. DATE OPEN WITH XXXX AND XXXX NONE OF THE REPORTING IS THE SAME. I ASK FOR ORIGINAL DOCUMENTS AND PROOF OF HOW ITS VERIFIED, THEY NEVER SEND ANYTHING. IT COMES BACK VERIFIED. IF THESE COMPANIES CAN NOT PROVIDE ANY DOCUMENTS OR ANY PROOF. I WOULD LIKE THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2024-10-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (CA)

I cancelled my tv subscription with XXXX XXXX XXXX. ( my account XXXX ) followed their instruction about returning equipment. On XX/XX/year> I got a confirmation email that the equipment i returned was received by them. However weeks later i started to get phone calls saying I owed the companies because i did not returned the equipment. 
I kept explaining that I returned but nobody was able to help. Many times it was me that tried to contact them to solve the issue by always got unhelpful answers. 
It is interesting to note that along the many phone contacts I had with company 's associates I got different stories about why I owe them. Some told me that I did not returned equipment, others that the equipment was defective ( which is not because I just unplugged while working and returned it ), and other that I dint pay my last bill ( even when I had autopayment ). 
Now I got a letter from a collections company saying I owe {$130.00}. I contacted them to explain why I owe and they say because XXXX XXXX XXXX put me in collection because I did not returned equipment. They insisted that I owe and that I can settle for {$100.00} The collection Company is I.C. Systems IncXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX phone XXXX XXXX XXXX Reference number XXXX
Consumer complaint received 2023-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. 
I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXXXXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Consumer complaint received 2024-10-15
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Services Association (TX)

I have received a debt collection for a rental company in the amount of XXXX $ XXXXThis amount posted on my credit account in XXXX XXXXXXXX XXXX. This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ProCollect, Inc. (MS)

I have advised these companies that these accounts were opened fraudulently. I am a victim of identity theft, and I didnt open these account. I didnt give anyone permission to open these accounts using my information. I am requesting that the account be closed & removed from my credit report. Please investigate this matter and correct the fraudulent account as soon as possible. In addition, pursuant to FACTA, as a victim of identity theft I am requesting that you provide me with copies of any and all applications and business transaction records related to these fraudulent accounts.