davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$74.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$280.00} ; XXXX XXXX Balance : {$740.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$510.00} ; XXXX XXXX XXXX  XXXX Balance : {$1400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$820.00} ; XXXX XXXX XXXXXX/XX/2023. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-08-22
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Upstart Holdings, Inc. (CA)

This complaint builds on a prior CFPB complaint ( Complaint No. XXXX ) in which I requested Upstart validate a debt listed on my credit reports as " Upstart/Customers. '' Upstart claimed the debt was sold to XXXX, yet XXXXy, XXXX XXXX  and Upstart have all failed to provide any documentation validating the debt.

Since my previous complaint, new evidence has come to light : ledgers from my escrow agent, XXXX, now show payments made directly to Upstart as part of a settlement negotiated by XXXX XXXX XXXX XXXX XXXX. Despite these payments, Upstart continues to deny ownership, while XXXX XXXX  and XXXX XXXX remain unresponsive to debt validation requests. Documents that demonstrate these points are attached. 

Additionally, the XX/XX/year> records from XXXX have inexplicably shown that XXXX has lost alll evidence of the settlement with Upstart, producing new ledgers ( altered? ) raising further concerns about the integrity of the records. Ive issued litigation hold notices to all involved parties to ensure these irregularities are fully investigated. Attached are the escrow payment records and litigation hold notices for the parties. Of note, the lit hold notice for XXXX details the payments to Upstart that were produced by the debt renegotiator XXXX and the escrow company XXXX.
Consumer complaint received 2024-02-16
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. (CO)

I placed an order via Amazon on Wednesday, XX/XX/2024 for a XXXX XXXX XXXX for the amount of {$830.00}. On XX/XX/2024 I found a different monitor that better suit my needs ( The XXXX XXXX for {$590.00} before taxes ), so I cancelled that order and placed an order for a different monitor. I received a message indicating that my payment method needed to be revised, so I double-checked to see that my information was correct. I additionally went to see what my balance was. My available balance was correct, however a pending charge for the cancelled order was still showing. On XX/XX/2024, the authorization charge remains on my card unresolved and as a result, I am unable to make a purchase necessary for my job. I have attempted to call customer service to resolve this issue, but to no avail.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (CT)

Someone Opened an Paypal account with synchrony bank. I did not authorize this account, it was done without my permission. i had this same issue back in XXXX  with the same paypal account. Its a recurring fraud on my credit report.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to file a formal complaint against TransUnion, XXXX and XXXX for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/2023, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
Consumer complaint received 2024-08-19
Product: Credit card — Store credit 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: CITIBANK, N.A. (NV)

On my Best Buy card someone fraudulently charged XXXX dollars several months back- I called the company they denied talking to me since I do not have old phone number I used to have -I have a new phone number so they are keep using excuse saying they can not authenticate me but they will send a letter to my home address- they have never sent me any authentication letter but they have been adding fees and interest for several months and not that XXXX dollars have ballooned to XXXX dollars- I have tried making my account online but their site decline adding my card so I cant update my phone number for them to authenticate me and remove all these charges- I have called XXXX times in last several months - theyre agents been promising me to sent authentication letter but they have not done so- every time I call they say I have to wait for authentication letter - its been several months I am extremely upset and disappointed- I even went to Best Buy store itself and they declined to help me - I cant pay for something I did not use for / these XXXX dollars charges needs to be removed- please help thank you graciously
Consumer complaint received 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NY)

In their terms and conditions, they state that after 12 months of perfect on time payments, I will get my security deposit back and my card will then be turned in to an unsecured line of credit. It has almost been 5 years since I have opened the card. They refuse to give me my security deposit back, even though I have a perfect payment history. I never have missed a payment. Every time I call them to get answers, I get none.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

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 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 2024-06-13
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. (MI)

While I was in the XXXX XXXX meeting, I received an email asking for my new number from who I thought was XXXX, which I found unsuspicious because I knew my old number was on file with Brilliant from when I used to work with XXXX XXXX XXXX XXXX XXXX I then emailed the person I thought was XXXX back with my #. I have proof of everything, from email screenshots to text messaging and XXXX gift card scams, which cost me {$3000.00}. 

Through all 32 screenshots of text messages, I was under the presumption that I was helping her purchase XXXX gift cards for employees who did well during XXXX. I was under the impression that I was texting with XXXX because she asked for receipts and proof of the gift cards, which I thought were for auditing purposes. Through the text messages, you will see me mention using my cards to detect fraud multiple times and alerting the person I am feeling uncomfortable with the amount of money I was using to purchase these gift cards. Here is the breakdown of the money I spent and all three agencies that have been detected and sent the documents, in addition to me filing a police report with XXXX XXXX police and the FBI. 

XXXXXXXX XXXX : {$1200.00} XXXX XXXX : {$200.00} Chase XXXX : {$16000.00} Police report # XXXX Speaking to the police officer, he told me this seems to be a more significant issue internally, and with them knowing I was a new employee who had an old number on file while getting an email from the CEO within two weeks and did not feel like it should be dealt with outside of the communication between the scammer and me because she told me to keep it a surprise for certain employees.
Consumer complaint received 2024-10-14
Product: Credit card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (NC)

I applied for the bloomingdale card and I never got a card from them they kept all card so I can't access my account they also never closed the account because it's not on my credit report today I can't use my account this company is very prejudice towards me because I moved and my contact information has changed
Consumer complaint received 2024-08-11
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)

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account loan opened at XXXX XXXX XXXX under the account number XXXX opened XX/XX/XXXX with a balance of {$790.00}. XXXX XXXX XXXX opened XX/XX/XXXX, XXXX account number XXXX that resulted a late payment on XX/XX/XXXX as do XXXX XXXX XXXX XXXX account number XXXX that resulted in a late payment on XX/XX/XXXX. XXXX XXXX XXXX  account number XXXX resulting late payments due to XXXX XXXX please remove all late payments. XXXX XXXX inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XXXX XXXX, XXXX, XXXX XXXX inquiry date XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries, late payments and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, late payments or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, late payments and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2015-07-28
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I ordered flowers and other gifts to be delivered on a certain date by a certain time. The merchant failed to deliver the flowers and XXXX of the other XXXX gifts on time despite verbal assurance that it would. The merchant refused my request for a refund even after it admitted that it failed to provide per our agreement. 

I disputed the charge with Citibank, the issuer of my credit card. Citibank denied the dispute without ever doing an actual investigation, i.e., Citibank did not even contact the merchant. I learned from the Citi XXXX XXXX that if the disputed amount is over a non-specified dollar amount, Citi denies the dispute, despite the merits of the claim. Citibank has engaged in this illegal and bad-faith practice -- failure to comply with the Fair Credit Billing Act ( FCBA ), conduct a good faith dispute investigation, and deny consumers their right to dispute billing errors -- several times now for unjustifiable reasons.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (PA)

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

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

I demand the late payment reported in XX/XX/year> and XX/XX/year> to be removed. 

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. 


SYNCB/NETWRK Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Consumer complaint received 2024-10-08
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: ENCORE CAPITAL GROUP INC. (GA)

This is a company called Midland Credit management , IncXXXX XXXX XXXX. This company has illegal filed a court date against me in XX/XX/year>. When the court date occurred they never sent me the court date. they went to court and ruled on the judgement with me being there. I never in my life had Midland Credit or a XXXX  XXXX card. This is all fraudulent. I report their attorney XXXX XXXX XXXX to the Georgia Bar Association. I am a single parent, I can't afford to have my wages garnished. This situation needs to be resolved immediately. I also filed a complaint with the Attorney General against Midland Credit. This company has a illegal judgement of XXXX against me.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I recently reviewed my credit report and noticed inaccurate names, addresses, and employment information. According to the Fair Credit Reporting Act, 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. These names, addresses, and employment information : NAMES : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. ADDRESSES : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Tx XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Tx XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Tx XXXX. EMPLOYMENT INFORMATION : XXXX XXXX, XXXX XXXX, are inaccurate. According to 15 USC 1681s-2, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-19
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: CCF Intermediate Holdings LLC (MS)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I deposited a check of the amount {$510.00} that was made to my brother who did not have an account he signed it and I signed it. The check was placed on hold for about XXXX days. During the hold my account was restricted some for some reason. Chase bank informed me they needed to verify the third party they need a phone number which was provided. Per chase bank that phone number could not be verified therefore they closed my account and my joint account that under my retired mothers name. That account closure caused my and mothers payment a be returned and pay extra fees. I called every day to chase bank asking if phone can be verified and every time they inform number stills show unverified
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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