davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (GA)

On XX/XX/XXXX, Resurgent Debt collection agency purchased my account from XXXX XXXX XXXX. The sent me email communication about the debt. I am writing this complaint because they are reporting false /misleading representation of this account on my credit report which cause my score to drop significantly. Attached you will all copies of my reports from all three credit bureaus with false and misleading information about the payments. The reports say that I am late 1 time on one report and 4 times on another report and not al all on the third report. I have not paid them late and I have proof of on time payments from the start. The company told me they would report on time payments not late payments. The have caused me a XXXX point drop in my score. Beginning XXXX on the XXXX and every month until XX/XX/2023 payments have been auto drafted from my account. I called them today about to ask about why they reported late payments and the lady was rude. I asked for a supervisor and she put me on hold. After sometime I hung up. I just discovered this and they refuse to remove the inaccurate information. I have tried communicating with them on several occasion to resolve this matter and they refused to work with me. There were times I called and was put on hold and then hung up on.
Consumer complaint received 2024-04-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX XXXX CD 's are impossible to close on maturity until the day it matures- not before. So my CD is maturing on XX/XX/2024, and I have to wait until that day, a Saturday, to close it either by going into a branch or calling. I am in the operating room that day as I am an anesthesiologist. All other banks allow calling withing a few weeks of the maturation date to set up a closure and disbersement. They are just creating another obstacle so the money stays in the CD for another term. They are perfectly capable of setting up disbursement, like other banks.
Consumer complaint received 2023-12-08
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: EQUIFAX, INC. (GA)

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 reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-25
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: 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 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 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (PA)

A transaction was made on my account on XX/XX/2024 by XXXX in the amount of {$2800.00}, that I did not authorize nor have I received or benefited from any goods or services in relation to this transaction. 

I disputed this transaction twice with my cc company and they have denied my dispute twice. Per below : Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Credit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$2800.00} Dear XXXX XXXX, Weve completed our investigation of your billing inquiry, and weve determined that no billing error occurred.

As part of our investigation, a review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other financial institutions, merchants, and networks as part of the claim review. 

The disputed amount, {$2800.00} will be included in the payment amount due on your next statement as of XXXX. 

We apologize for any inconvenience you may have experienced. If you have any additional questions or need further assistance, feel free to contact us at any time. 

Sincerely, Chime Disputes Team I believe Chime, XXXX, XXXX, has not acted in good faith to resolve my dispute nor has followed established banking regulations by issuing a chargeback for the above transaction, I did not authorize and again have not benefited or received any goods or services in relation to the transaction.
Consumer complaint received 2018-12-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (VA)

On XX/XX/2018, I sent verification letter to EOS CCA regarding debt collection. On, XX/XX/2018, they sent me part of a bill and a letter stating that they validated the debt. They did not send the information as I requested. On XX/XX/2018, I sent another certified letter requesting validation. On XX/XX/18, they sent me a settlement letter. I then sent all information to XXXX  on XX/XX/18. One week letter XXXX  sent me a letter stating that they verified the debt. On XX/XX/18, I sent a method of verification letter back to XXXX  who has not responded. I don't understand why I can not get the documentation as requested.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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
Consumer complaint received 2018-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MA)

OK I have received a inquiry on my Equifax, and XXXX XXXX, and XXXX, credit bureaus. This is a un AUTHORITIES inquiry on my credit report..THIS UN AUTHORITIES inquiry has DROPED my CREDIT score 36 points.. I had a XXXX now it a XXXX which has hurt my credit score. I didn't apply for any credit lines so this is a mistake or fraud .. I guard my credit scores and protect it. I MONITOR my credit scores everyday to make sure it says right.. I had my ID stolen before so I keep track of it everyday so can know if something is wrong ... the company name is XXXX address XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX.. I am disputing these inquiry with all three credit bureaus and the FTC and cfpb.. this is a violation of my rights. I am unaware of XXXX and I don't know why they did a un AUTHORITIES inquiry on me for ... I NEED them to send my a contract with my signature on it. I did not sign any thing with them and don't know how they ran a inquiry on my and hurt my credit. this is a violation of the fair debt credit reporting act ... they have damaged my credit and I use my credit to do business. this will hurt my ability to do business and make money to take care of my family.. I DEMAND THAT XXXX TAKE THIS UN AUTHORITIES INQUIRY OFF MY CREDIT IMMEDIATELY .I HOPE I WONT HAVE TO ESCALATE THE SITUATION.
Consumer complaint received 2023-07-07
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. (NY)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

XXXX XXXX XXXX
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I want to inform you that I have been a victim of identity theft. This letter serves as a formal dispute of the following accounts on my credit report. These accounts are fraudulent and Im not sure how the theft took place on my report. The banks already approved to remove the accounts from the other bureaus and Im wondering why you still reporting these on your bureau. This is driving me nuts on what kind of dispute process are you doing. I called Experian about a month ago and they said they will remove these but are still showing on my report. Both the bureau and the banks agreed to remove the accounts and none of them have complied with what they said. Please have these accounts removed from my report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-25
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: 2288984 Ontario Inc. (TN)

On XX/XX/2024, I received an email stating the following : Dear XXXX XXXX XXXX This email is to inform you that despite our numerous attempts, we have been unsuccessful in finding a resolution with respect to your outstanding balance on your account. 
Unless a payment arrangement is reached, your file will be sold to athird party without further notice. 
CONTACT OUR OFFICE NOW TO DISCUSS A SETTLEMENT OFFER ANDAVOID FURTHER THIRD-PARTY COLLECTIONS. 

This contradicts the email sent on XXXX which states the following : Please note that you are receiving this confirmation electronically pursuant to the Electronic Communications Agreement that you signed when you entered into your Line of Credit Agreement # XXXX. 
The current outstanding balance on your account, XXXX  referred to as your XXXX Account, is {$3000.00}. 
Further to our conversation on XX/XX/2024, you have verbally agreed to the following Payment Arrangement on your XXXX Account. 

I don't understand why they are stating that they haven't been able to reach me to reach an agreement. I have done everything they asked and made my first payment of {$100.00}
Consumer complaint received 2018-12-31
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Portfolio Recovery Associates attempted to collect a debt ( XXXX XXXX XXXX for {$700.00} ) from me which I had no knowledge of, upon contacting them I asked for validation of the debt but after several attempts no one could provide me with supporting documentation that this was my debt. They continued to tell me that the debt was sold to them therefore they have no other information. I disputed this debt with PRA and credit bureaus ( XXXX, XXXX and XXXX ). In XXXX of 2018 I received a letter from PRA saying that after investigating, they were closing the account and will notify the three major credit reporting agencies to delete the account. The account was deleted off all the credit reporting agencies. About a month or so later I started receiving threatening calls again from PRA about the same account. I explained that we have already discuss this matter and it was taken care of. I spoke with several people from PRA and they just continued to threaten and harrass me. They would call daily from sun-up to sun-down. Shortly after this account was placed back on my credit reports. I have tried disputing this again. I have screen shots of the collection being deleted from bureaus, along with disputes from the credit bureaus showing that indeed this account was deleted from my credit report.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

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 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2023-11-16
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: WELLS FARGO & COMPANY (PA)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved. In WELLS FARGO terms and conditions they agreed not to share my personal nonpublic financial information with non affiliates. XXXX, XXXX and XXXX is not an affiliate of WELLS FARGO nor a " bureau '' as they have stated. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports. In reference to the Wells Fargo Account # XXXX. I wrote Wells Fargo a letter informing them of their inaccurate reporting of an account on my consumer reports. Wells Fargo is in violation of multiple laws set forth by Congress. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( Wells Fargo ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( Wells Fargo ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency such as XXXX, XXXX, and XXXX if the person knows or has reasonable cause to believe that the information is inaccurate. The IRS Clearly defines a charge off/Canceled debt as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from WELLS FARGO for the cancelled debt of { {$3400.00} } in order to file as ordinary income. Where is my 1099-C Wells Fargo is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! Wells Fargo has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information, and as such I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (MD)

bread financial my credit card was lost and i advised. the company about these issues was going on and the charges was not mines at all./ the company over has failed me as a customer and i have a negative remark on my credit profile dealing with these high concerns i want this company to take accountability in their actions failing to do a proper investigation ... since the card was activated i never used the card at all when it was time to for me to locate my credit i was unable to locate the card. all transaction was fraud done without my knowledge.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I hope this message finds you well. I am writing to express my deep concern and disappointment regarding the persistent presence of fraudulent items despite our repeated attempts to address the issue. As we embark on the multiple attempts to rectify this situation, it is imperative that we take decisive action to eradicate these fraudulent activities. 

Despite the resources and efforts allocated to identify and remove these items, it is disheartening to see that they continue to infiltrate our system. 

I urge you to conduct a thorough investigation into the root causes of these persistent fraud occurrences. It is essential that we identify any vulnerabilities or loopholes in our processes and systems that may be exploited by those engaging in fraudulent activities. Furthermore, I recommend implementing robust controls and enhanced monitoring mechanisms to prevent the recurrence of such incidents in the future. 

Failure to effectively address the issue of fraudulent items not only jeopardizes our organization 's reputation but also undermines the trust and confidence of our customers and partners. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$4400.00} XXXX XXXX  XXXX Balance Owed : {$670.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$3200.00} XXXX XXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXXXX*********** Balance Owed : {$1400.00} XXXX XXXX XXXXXXXX Balance Owed : {$670.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXXXX************** Balance Owed : {$14000.00} XXXX XXXX Balance Owed : {$7200.00} CB/VICSCRT XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed XXXX {$3300.00} XXXX XXXX  XXXX Balance Owed : {$2200.00} XXXX  XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX Owed : {$670.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX  XXXX Balance Owed : {$14000.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$7200.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$3200.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX.