davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a XXXX XXXX XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, GA, XXXX Employer - XXXX XXXX XXXX XXXX Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-XXXX ] XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (FL)

This company is reporting 2 late payments in this closed account. 
Exeter FinanCial Account XXXX : XXXX Late Payments : XX/XX/year> XX/XX/year> | am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date.

According to the law 15 USC 1681b, you must receive written authorization from me to disclose information. I have never given written consent that you can disclose my information. I demand proof or that you verify the document or letter that I wrote allowing my information to be disclosed. information.
Consumer complaint received 2024-07-11
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. (TX)

I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ) i have attached copies of my id
Consumer complaint received 2024-07-11
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. (GA)

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) i have attached copies of my id
Consumer complaint received 2024-06-26
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. (NY)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

I was out of the country from XXXX XXXX when my account was compromised. There is a total of {$7100.00} worth of fraudulent transactions that were made while I was out of the country. I came back to the US and immediately contacted Chase to dispute those transactions and was constantly at the bank for hours trying to resolve my account issues. I opened a new account and closed my online access so the person who stole my money would not have access to my account anymore. I gave proof of my plane ticket and a police report because I am a victim of identity theft and that same week I had multiple credit cards opened in my name without my permission. My phone number was ported out and my email address was hacked which is how my personal information was stolen. I told chase my situation and after XXXX months of back and forth they stated that the device the transactions took place were consistent with my device. I never had XXXX XXXX with chase on my phone but they said they didnt see any fraudulent actions or alerts sent out so they cant reopen the investigation. They even decided to close my account. I have been a longtime chase customer and they have not been helpful at all. I told them that those transactions dont even match my usual shopping activity and yet they dont want to reinvestigate or reopen my claim. Below I attached pictures of the transactions made from XXXX XXXX where fraud was happening even after I returned and closed my old bank account and opened a new one. If chase looks at my previous spending I did not shop using most of these places and yet they state that it was me because of my device. Chase gave me temporary reversals only to take it back and is refusing to give me my money back.
Consumer complaint received 2024-06-26
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. (CA)

I need to inform you I was the victim of identity theft. I'm disputing the accounts as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dispute the following accounts. It was opened without my knowledge, authority or consent. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (MS)

On XXXX XXXX at XXXX XXXX  I received an email stating my account is closed. I immediately called customer service to request information. I was told due to security reasons they could not provide me with information but to check their policies for account cancellations. I asked about the funds in my account one representative stated 10 business days and two other representatives stated I would not receive my funds. The account had a balance of {$2900.00}
Consumer complaint received 2024-07-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On Tuesday XX/XX/year> I had received a random text message from a XXXX area code from someone pretending to be a member of a notorious XXXX cartel. In the text message they stated that if I did not respond to the text and agree to a set amount of money to send them that me and my family would love their life and get our heads cut off. I have all the texts messages saved and logged as proof/evidence. Furthermore this individual had my current and former home address which made me believe that this was legit and my family/myself life were in jeopardy. This whole situation was happening while I was at work which made it even worse. The text messages and phone calls were non stop and had me so freaked out and scared for my familys well being that I agreed to send {$500.00} for my safety and my familys. After sending this amount they were still not satisfied and told me I needed to send another {$1500.00} or again me and my family would all be killed. My bank is Chase and I had used the money transfer system XXXX to send them the funds. After sending the {$500.00} XXXX informed me I had reached my XXXX amount I could send for a day which was the {$500.00}. After considering what I had just done I had done some researched on the internet to see if I could find any posts or information of this kind of scam happening to anyone else recently. I found a post on XXXX where XXXX of others had the same kind of situation happen to them. That is when realized that I was terrified and freaked out into a scam. Im trying to recover my funds as when I contacted my bank that night and the following morning and filing a report with them about everything that happened, they still would not recover my funds because they said since I authorized the transfer. I do not believe this is ethical or lawful as my life was being threatened and I have all the texts messages to provide and plead my case that I was scammed. Please help me with my situation as I desperately need my funds recovered to take care of my family.
Consumer complaint received 2024-07-02
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rent Recovery Solutions (TX)

XXXX of the meadows have 2 different companies reporting and trying to collect on a debt that I do not owe. 
15 usc 1692 c ( c ) clearly states if a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.

I have talked to both companies and asked for proof and for them to stop calling my residents and to stop sending emails and its still going on. Both are reporting 2 different amounts.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (NV)

I am writing to bring to your attention a persistent issue concerning an account that is inaccurately appearing on my credit report. The account in question is associated with COMENITYCAPITAL/ALPH. I want to emphasize that this account does not belong to me, and despite my repeated attempts to dispute the information, it continues to be reported on my credit profile. 

I have diligently followed the dispute procedures with your agency, providing detailed information to support my claim. However, despite these efforts, the inaccurate account has not been rectified. I am concerned about the impact this misinformation may have on my creditworthiness and financial standing.

I kindly request your immediate attention to this matter. Please conduct a thorough investigation into the reported account and take the necessary steps to correct or remove it from my credit report. I am more than willing to provide any additional documentation or information required to support the resolution of this dispute. 

Thank you for your prompt assistance in rectifying this issue and ensuring the accuracy of my credit report. I look forward to a swift resolution.
Consumer complaint received 2019-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Synovus Bank (PA)

I XXXX XXXX ; XXXX am writing you as an aggrieved man. I did not open an account with FIRST PROGRESS, nor did I know of and or consent to anyone opening an account up with them in my name. I know nothing about this fraudulent account. My identity was stolen, and several fraudulent accounts opened in my name.
Consumer complaint received 2024-07-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. 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 collection.
Consumer complaint received 2019-07-16
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: Experian Information Solutions Inc. (FL)

Experian is incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX and XXXX   however Experian has not removed this from my credit report. I have contacted the bureau to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2024-06-26
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. (LA)

I am submitting tis request to inform credit Bureaus that I have been a victim of identity theft and to dispute certain items on my credit report. The items I am disputing do not relate to any transactions involving goods, services, or money that I have made or authorized. Here is the list of following items that needs attention : 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  Balance : {$17000.00} 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 2024-07-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (CA)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. 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 collection.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (AZ)

MIDLAND CREDIT MANAGEMEN has reported a debt to my credit report .. i have no knowledge of this company or never have i purchased anything from this company .. this company is fraudulent and has stole my credit information
Consumer complaint received 2024-07-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Account info Account name PORTFOLIO RECOVERY ASSOCIATES Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$7.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$7900.00} XXXX updated XX/XX/XXXX this is a collection that shows past due i try to dispute this keeps coming back to me please get this removed not mine I can't get rid of this ... .....
Consumer complaint received 2024-07-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK (CO)

XXXX today XX/XX/XXXX stated that when I make payment above the minimum that it would be applied to the Balance transfer with the XXXX XXXX which is 5.99 % interest with XXXX XXXX expiring XX/XX/XXXX. The lower greater APR which is 2.99 % interest expiring XX/XX/XXXX. 

I realize that they are attempting to have me pay less interest but the problem being is that the promotion XXXX expiring XX/XX/XXXX will go to the variable XXXX which shows not to exceed 29.99 %. 

Seems like the solution on this type of more than XXXX balance transfer would be to apply anything over the minimum to the balance transfer that promotion XXXX expires first than apply the rest to the second balance transfer.
Consumer complaint received 2024-07-05
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (TX)

Discover bank forged paperwork showing that I received paperwork stating that they were suing me for my debt. They previously refused to work with me on my payments and I never received any of the legal paperwork or court dates. They lied in court to receive a default judgement because I didn't show up for a court date I was never notified of or I would have gone. I didn't even receive the judgement paperwork until I found out my bank account was levied by a receivership law firm. They lied, didn't notify me of anything and are now charging me double what I owed for legal fees. The cc only went negative because of XXXX but Discover Bank refused to work with me and I couldn't pay because I lost my job at the start of XXXX. On my credit report it shows this debt as a charge off and that the account is closed, that's a blatant lie because I now am forced to pay the monthly payment I can't afford so it's definitely not a charge-off.
Consumer complaint received 2024-07-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (MI)

Made a purchase using my cashapp card that was from a business called XXXX XXXX  XXXX. Im unable to get in contact with the business about my order, no email replies or phone calls, on top of having no order confirmation email. Cash app continues denying my dispute irregardless that ive never received the product i purchased. I am not the only one who has had issues with the supplement company as others have also had never received their product.
Consumer complaint received 2024-06-21
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (NC)

The Fair Credit Reporting Act ( FCRA ) regulates the information that can be included on consumer credit reports. According to 15 U.S.C. 1681 a ( d ) ( 2 ) ( A ) ( i ), consumer reports can not include information about " transactions and experiences '' between a consumer and the entity providing the information ( you, the creditor )
Consumer complaint received 2024-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

There were XXXX fraud transactions happened on XX/XX/XXXX, XXXX transfered to whom claimed themselves to be XXXX staff. The person received my payment claimed himself to be the XXXX of the XXXX company. He has my address, my name, my billing statements of several months. He asked me to make the exact amount of payment XXXX as I received from the billing statement from the mail, or XXXX to clear the warning list. I even received a one-time security code from XXXX, a XXXX number. Therefore, I made the payment. However, he said there was a processing fee that has to be added otherwise the payment won't match their system and he said this is the policy between XXXX and Citibank. So, I have to make another payment. After reporting to Citibank, I filed a dispute immediately and received credits back in a week. However on XX/XX/XXXX, they took my credits back which caused my checking account to overdraft. I filed an appeal to Citibank again on XX/XX/XXXX, the representative told me to allow 45 days to process my appeal. However, on XX/XX/XXXX, Citibank transferred my money left in my other accounts to the disputed account without my agreements. In this case, there were ID theft that caused the fraud transactions, money transfer without my agreements and Citibank 's professional misconduct.
Consumer complaint received 2024-07-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (SD)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. 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 collection.
Consumer complaint received 2024-07-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (SD)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. 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 collection.