davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Requesting XXXX to Restore my points between XXXX XXXX thru XX/XX/XXXX, totaling.XXXXpoints.Reqesting XXXX to Restore my Points between XX/XX/XXXX thru XX/XX/XXXX XXXX have been XXXX Credit customer since XXXX and during that time, I have enjoyed my experience with XXXX XXXX greatly. I am writing to see if you would be willing to make a & quot ; goodwill & quot ; adjustment to your reporting to the three credit agencies. I have three late payments on the above referenced account that dates back to XXXX. Since that time I have been in exceptional customer paying every month on time. because of my exceptional history over the last two years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that XXXX XXXX, XXXX, XXXX and Experian is willing to work with me on erasing this mark from my credit reports. I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX. with todays credit industry so competitive, I know how important it is to maintain good relationships with customers.XXXX  XXXX has been exceptional in my book so far, and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX XXXX is heads above the rest.I look forward to your reply.
Consumer complaint received 2023-06-17
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Colony Brands, Inc. (MA)

The company Seventh Ave. in the previous report : # XXXX, has NOT followed through by removing a " duplicate account '' that I never requested & don't use. And they've used that as an EXCUSE NOT TO REPORT MY EXCELLENT CREDIT!! They said in the former complaint as a response that they would find a way to REMOVE THE DUPLICATE ACCOUNT, & THEN REPORT MY EXCELLENT CREDIT to ALL the credit bureaus AS THEY SHOULD!! But THAT NEVER HAPPENED!! They need to follow through with removing this " duplicate account '' that is THEIR system error & THEIR PROBLEM TO FIX!! & THEN REPORT MY EXCELLENT CREDIT MONTHLY AS THEY SAID THEY WOULD & THEY'RE SUPPOSED TO!! 
Also my billing address has changed to : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Massachusetts XXXX United States, but every time I update info. w/ them they GIVE ME A NEW ACCOUNT #!! THEY ARE GOING TO HAVE TO KEEP MY ORIGINAL ACCOUNT ENDING IN XXXX, fix the billing info. & REPORT MY POSITIVE CREDIT just like any other company would. WITHOUT screwing up my account!!
Consumer complaint received 2023-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OR)

On Tuesday, XX/XX/XXXX, I paid the settlement amount with a zero balance owing to Portfolio Recovery. They assured me they would contact their attorney, XXXX XXXX, that filed a lawsuit against me to tell him the debt is no longer owed and the arbitration does not need to proceed. I called Portfolio Recovery today to make sure they contacted XXXX XXXX to tell him the debt is paid, and now they are telling me it can take up to XXXX hours for them to contact the attorney. The arbitration is set for Monday, XX/XX/XXXX. I sent the attorney and the arbitrator the email confirmation I received from Portfolio Recovery showing the debt was paid and has a XXXX balance owed, but the attorney is not dismissing the case like I was promised. 

Also, I never received any communication about the debt prior to being served with a summons because the attorney was sending everything to an address two cities away from where I live and has never been my address. I was never given an opportunity to verify the debt or negotiate settlement prior to being sued because he was sending everything to a strangers address where I have never lived. 

The attorney is now also trying to sue me for a second debt which I also paid and has a zero balance owed. He sent an aggressive process server to my house today and he came in my side yard trespassing on my property and yelling at me in my backyard. He wouldnt leave until I threatened to call the police. This is for a debt that is already paid and has a zero balance owed.
Consumer complaint received 2023-05-18
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. (VA)

XXXX XXXX XX/XX/1987 XXXX XXXX XXXX CT # XXXX XXXX, VA XXXX XXXX Experian XXXX XXXX XXXX XXXX TX XXXX I need you to investigate the following XXXX  XXXX {$240.00} XXXX XXXX {$360.00} XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX I request you provide me with proof of this alleged payments being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). 
Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. 
Once you have finished your investigations, send me an updated credit report to the address stated above. Thank you. 

XXXX XXXX
Consumer complaint received 2023-05-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken (VA)

Commencing on or around XX/XX/2023, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), which involved me making deposits for a total amount of XXXX ETH from my Kraken account to a fraudulent investment firm
Consumer complaint received 2023-05-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (IL)

On XX/XX/2023, I sent an international wire transfer to my sister in XXXX, XXXX. The amount was {$1700.00} debited from a savings account that I have with Citi Bank. The delivery was promised on or before XX/XX/2023. 
I want to note that this is the type of transaction that I have conducted via this institution for at least years, so I was surprised that the funds never arrived. 
I contacted the company by phone to notify it of the situation. I finally received a letter informing me that research was underway. I waited about 30 days, no answer. I called the company again and requested that since the recipient never received the funds, the amount should be refunded/credited to my account. 
I reminded Citi Bank that I hired it to perform a specific task and it failed me. If it sent the funds as it claims but they were never received by the beneficiary, they must recover the payment from the entity they use for their transaction, said entity/department has no relationship with me whatsoever. 
Instead of refunding/crediting my account, I received a letter stating that they made the payment without proof. My sister never received the {$1700.00}, my account has not been credited. 
I did not expect Citi Bank to fail me this way and now claims that I must pay for its mistakes, it failure to conduct the transaction as promised.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX refuses to remove the following accounts that do not belong to me. I did not open these accounts they were opened without my knowledge. XXXX XXXX XXXX XXXXXXXX # XXXX is not my account and was opened without my knowledge or consent. 
XXXX XXXX, reporting late payments and the account is not mine it was opened without my consent. XXXX XXXX XXXX XXXX is not my account and i didn't open the card. XXXX XXXX XXXX is not my loan My identity has been stolen also showing late payments up to 120 days. They have 15 inquires that i have been disputing since i saw them on my report and they refuse to remove them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are just examples but i have told them multiple time my identity was stolen. The also have a name on my report saying also known as XXXX XXXX. I am a girl this is ridiculous. They are reporting late payments as well which is illegal for multiple accounts. I have attempted to get them to update the information they are reporting but its to no avail. Please help my Identity was stolen and this bureau has not attempted to help me at all. 
XXXX XXXX CREDIT BUREAU IS REPORTING SOME OF THE SAME FRAUDLANT ACCOUNTS THAT I DID NOT OPEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they even have a collection for a medical bill form commonwlth fin They are also reporting 13 inquires that are not mine. ALL 13 inquires are not mine. 
EQUIFAX CREDIT BUREAU Is report even old addresses, XXXX XXXX XXXX XXXX XXXX XXXX is not my address and never has been XXXX XXXX XXXX XXXX, They also have late payments from student loans which is illegal, XXXX XXXX XXXX XXXX WHICH IS NOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND they have 12 inquires in my report that are not mine as well. They have collections as well. 
Please have all the Credit bureaus to delete these accounts that were opened fraudulently and the address/names and inquires that are not mine as well. I have not supplied proof under the doctrine of estoppel by silence Engelhardt V Gravens ( MO ) 281 sw 715,719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 
This false information needs to be removed immediately or they will each pay per day they have the false information on my credit reprot. I will also be suing for defamation of character. XXXX XXXX, Equifax and XXXX Have now been given notice to remove the information on XXXX The information must me removed before 30 days.
Consumer complaint received 2023-05-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

On XXXX XX/XX/2023 I went to a MoneyGram service located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, to send money to an old friend of mine living in XXXX who needed help with her rental payment. Tracking number XXXX. 
I sent her XXXX for which they charged me XXXX as sending fee. 
Next day my friend went to collect the money and was told that there was a problem with the transference, which was no true. 
For some reason they never explained. They just retained my money, and first, lied to my friend and second, they said to me they can not reimburse my money and I will have to fill out some forms to release it. 
It was the first time I used this service here in the USA and got completely shocked. It was only XXXX XXXX and now I'm been treated like a criminal. Actually I feel this is a discrimination act because I'm a XXXX XXXX who's seaking XXXX, and now they are asking information which I consider is not their concern, first of all because they never answered when I went to sent the money. 
I filled a claim # XXXX on the web and someone from global support answered apologizing and giving me instructions to go to the store with a valid ID and call MoneyGram from there to release my money. 
Surprise, it was not released and some lady on the phone told me if I want my money back, the only way is to fill out some forms that she will send to my email or I will lose my money. 
I have already expend more money in gas going to the store to claim the money than the XXXX I sent. 
My complain is about their abusive policy and the discrimination act with the XXXX comunity. They have done this to many XXXX people afraid of claiming their rights. But I'm not afraid because I'm doing nothing illegal, I know I have rights as a person and as a customer, that's one of the reasons that made me come to this free country. I'm not willing to stay calm. In any other way I intend to recover my money which they have kidnapped. 
I will much appreciate your collaboration with this claim. 
Thanks in advance XXXX XXXX
Consumer complaint received 2018-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NATIONSTAR MORTGAGE LLC (CA)

I have reviewed my results from the investigation regarding the Nationstar/Mr. Cooper Account and I am still being reported inaccurately. The account is not past due, should say current, never been late and it's the showing the wrong balance. I am trying to get a loan to pay for emergency medical bills, but I can't due to this very delinquent account. Please correct my report as I have already waited over the 30 days and it was not done correctly. This inaccurate account was not corrected in the allotted 30 days, please delete this account from my credit report.
Consumer complaint received 2023-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I deposited cash on the XXXX XXXX chase atm on XX/XX/XXXX. So the first time I put the whole money the amount is around XXXX to the atm and the atm couldn't recognize. So I separate the money to deposit three times. The first two times the deposit was successed but when the third time i deposit itthere 's XXXXXXXX XXXX dollar was stucked in the machine. And the atm screen shows it's technical issue and it let me to call some number. Then I went into the bank to ask help. The lady in the bank didn't go to the atm to check for me but she said her coworkers were tooking the money out behind the machine and she couldn't help we with anyting but if i call the claim department i will get my money back. So I did it and I do get a temporary credit for that amount. but then about one month after that, they took the temporary credit back and denied my claim because they didn't find any extra money. Then I filed another claim and required them to check the camera. Today I got the call, the lady of the chase claim department told me my claim was still denied. I asked her if they checked camera or not. She said she doesn't know but anyway they could not show me the video. I told her at least they need to check. She said ok. Then few hours later, the lady called me said the angle of the camera couldn't record the atm part, they couldn't see if I put money or not. I'm very angry and disappointed about that.
Consumer complaint received 2023-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

Had a problem with online banking and my email being taking over and I recently gained access back to my email account not entirely the email address does not come back to me someone still has access to my email but I can get in from my phone, my online banking, I can not gain access to my bank account due to a problem with online banking which I do not use except to deposit checks from time to time, i have went into the branch and its been kicked over to a department whos investigating the matter of online banking issues, I told them I dont wish to use the online banking I just wish to come into the branch and I can not access my funds and Im on the phone constantly trying to regain access to my account, I cant access my funds or pay bills with my debit card due to issues with online banking
Consumer complaint received 2023-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Upon reviewing my personal credit report, I noticed accounts that I do not own were opened in my name. I noticed fraudulent accounts and inquiries that I did not authorize on my credit report and it is preventing me from receiving credit.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX Phone : XXXX XX/XX/XXXX Social Security Number : XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX Disclosure Department XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Unauthorized Access to My Credit Information Under 15 U.S.C .

1681b To Whom It May Concern, I am writing to formally dispute the reporting of information on my credit report related to the following accounts, which I believe were accessed or reported inaccurately, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681b. 

I never gave them written consent to furnish your infarmation or obtain your information Please remove accounts immediately XXXX. XXXX XXXX * Account Number : XXXX * Date of Late Payment : XX/XX/XXXX * Account Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX  * Account Number : XXXX * Last 4 Digits of Card Number : XXXX * Account Opened : XX/XX/XXXX, XX/XX/XXXX * Account Closed : XX/XX/XXXX, XX/XX/XXXX I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : 1. Investigate and remove any unauthorized or inaccurate entries related to these accounts from my credit report.

2. Provide the names of any entities that accessed my information without permission, along with the reason for access.

3. Notify other relevant agencies of any corrections, if applicable. 
Please confirm the results of your investigation within the legally required time frame. Thank you for your prompt attention to Sincerely, XXXX XXXX
Consumer complaint received 2023-05-17
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: JPMORGAN CHASE & CO. (CA)

I opened an account with chase bank via Amazon for a credit card in XXXX. My credit report shows that I missed or was late on a payment in XX/XX/XXXX and I have tried repeatedly on the phone through XXXX XXXX through and Chase Bank and at the latest as of today, on the phone with the supervisor to get that Corrected. I was never told in all my investigation that this was for my Amazon account and not my Southwest account. I am suggesting that Chase Bank has been unable to verify which card Ive been calling about and therefore that there is bank error in reporting. Ive never missed payments. My entire credit report shows zero late or missing payments. Other than this one that is allegedly reported. 

Today XXXX when I called the credit reporting division of Chase Bank who says he is the supervisor says there is nothing he can do about it. I am suggesting the one issue on my entire report could potentially be a bank error and have asked to have it removed as I am current and have no other Late payments in my credit history.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I submitted a complaint last XX/XX/2023 and last XX/XX/2023 the companies involved responded. Some got deleted but there are STILL fraudulent items reporting on my credit report. I am submitting a new complaint hoping that you will assist me regarding my concerns because I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Exeter Finance, LLC. (TX)

Contacted company a few years back and have tried to dispute this account off from my credit account multiple times. Company is showing as late payment, this car was purchased from another company and hadn't reported the payments that were made toward the account. After months and months of disputing/contacting each company, the account was updated but showed two payments reported as late from my account. I then had the car loan paid and refinanced to another company, but the closed account still shows bad payment history on my file hindering me from further potential opportunity. I contacted this company and was told that they can no longer look into the account or its details after the account had been sold/refinanced to another company to see details regarding the reported information.
Consumer complaint received 2023-05-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ProCollect, Inc. (OK)

Ive called procollect to start a payment plan or pay off an old balance that dont owe. I was told that my account was locked and that I had to email a man named XXXX XXXX. I emailed XXXX XXXX over a month ago and have not gotten a response. I called procollect several times afterwards and no one can or will contact XXXX XXXX for me to settle this account ( XXXX