davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

I HAVE BEEN A VICTIM OF IDENTITY THEFT. I HAVE HAD MY SAVINGS STOLLEN MY XXXX CREDIT CARDS, SS #, PASSWORDS FROM MYCOMPUTER, DRIVERS LICENSE AND I WAS UNDER SUCH DURESS I THOUGHT I WAS GOING TO BE KILLED. THIS STILL IS IN THE HANDS OF THE POLICE AND FBI. 2 OF THE 4 PEOPLE HAVE BEEN CAUGHT, BUT THE ROBBERS GAVE MY INFORMATION TO XXXX KNOW WHO. I WAS PUSHED INTO BANKRUPTCY BY THE BANKS, EXCEPT XXXX XXXXXXXX XXXX, XXXX XXXX WHO REVERSED THE CHARGES. THIS MATTER WAS NOT IN THE BANKRUPTCY, BUT I DID TRY TO FIND A LOAN, SINCE AT XXXX I CAN NOT PAY FOR MY MEDICATION. THIS COMPANY CONTACTED ME, I CHECK THEM OUT AND SEEM LIGIT. FORTUNATELY I HAD VERY LITTLE IN MY ACCOUNT WHEN THEY WENT INTO IT AND I CONTACTED CHASE. I DON'T KNOW HOW THYE GOT MY ID /PASSWORD, BUT THESE SCAMMERS ARE TERRIBLE HERE IN FLORIDA . PRIOR SOMEONE WHO STOLE MY IDENTITY- STOLE MY IDENTITY A 2ND TIME. BUT CHASE DID NOT NOTIFY ME OF ANY ODD ACTIVITY I NOTIFIED THEM!!! BOTTOMLINE THEY ASKED ME TO SET UP A NEW ACCOUNT WITH THEM AND THEY WILL CLOSE THE CURRENT ONE. BUT THEY DECIDED TO THROW ME OUT OF THE BANK??? THEN CHARGE ME OVER {$2000.00} FOR THE FRAUDULENT CHECKS THAT THEY PAID!!! WHY THEY CHARGE ME IS NOT FAIR. THEY HAVE INSURANCE FOR THIS TO WRITE OFF SUCH AN AMOUNT. OTHER BANKS WROTE OFF 7 TIMES THAT FOR ME. I PLAN ON FIGHTING THIS, IT IS UNFAIR. I HAVE TO PAY FOR MEDS AND THEY DEMAND THEIR MONEY. I HAD NOTHING TO DO WITH THIS. I'M ON A FIXED INCOME. I HAVE TO PAY FOR MEDS ALSO. I COULD NOT PAY THIS BACK, BUT I'D BE XXXX BY THE BANK WITH FEES AND INTEREST. HELP ME PLEASE. I ALSO HAVE BEEN DIAGNOSED WITH XXXX XXXXXXXX THAT HAS SPREAD. I FEEL DOOMED AND HELPLESS PLEASE HELP ME PLEASE. I DON'T DESERVE THIS. XXXX XXXX
Consumer complaint received 2023-06-07
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: Southwest Recovery Services, Inc. (TX)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company or a company you represent. I did not open or authorize this account, so I request that it be closed immediately. I also request that XXXX XXXX, Southwest Recovery Services, XXXX XXXX, and XXXX XXXX absolve me of all charges on the account and that you take all appropriate steps to remove information about this account from my credit files.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

On Monday XX/XX/year> around XXXX I made an atm withdrawal at XXXX XXXX XXXX XXXX  atm for {$120.00}. The machine dispensed a receipt but no money. I immediately talked to the XXXX at the store and asked if they could help me open the atm because I thought it might be stuck they said no I have to call the number on the atm. I called the number on the atm and they said I have to call my bank to file a dispute. I called chime and they said I have to wait for it to settle. As soon as it settled the next day I disputed it and the following day they sent me an email saying they completed their investigation and found no error occurred. I have the call records of me literally calling the atm and then calling my bank the same day it happened and I have texts to my family members saying how crazy it was because nothing like that has ever happened to me. I even did another {$20.00} withdrawal from the same atm to see if the money was stuck but the {$20.00} actually came out but the {$120.00} wasnt there so withdrew another {$100.00} cause I still needed {$120.00} cash. I would like my refund for {$120.00} and then I will consider this case closed but Im highly disappointed in chime because they didnt even properly investigate my claim.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (KY)

one of the companies for instant ( XXXX ) account had been closed and disputed, months later it shows back up on my report, saying i owe an inaccurate amount. another problem is XXXX XXXX on the 8 plus inquires that are tremendously hindering my credit profile and ability to access to funding. Others are reports being showing that the information is inaccurate reporting and not reporting the same information across all 3 bureaus.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NV)

On XX/XX/XXXX I disputed several charges from XXXX that were done on XX/XX/XXXX which I originally reported them to XXXX as fraudulent charges and once I received their dispute claim decision and was denied a refund then I reached out to chime and disputed the charges with them which they gave me a claim id # XXXX and on XX/XX/XXXX they denied my claim so I submitted a appeal or rebuttal to the decision and asked that they re-open and re-investigate the dispute which they gave me a rebutttal claim id # XXXX and asked for supporting documents of their decision to originally deny my dispute claim and was told that I'd receive them in 3 days which as of today XX/XX/XXXX I have not received anything from them. I was also told that the dispute was eligible for a temporary credit but yesterday XX/XX/XXXX when I called to check the status of my rebutttal I was advised that no I wasn't eligible for a temporary credit for this dispute.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (KY)

one of the companies for instant ( XXXX ) account had been closed and disputed, months later it shows back up on my report, saying i owe an inaccurate amount. another problem is XXXX XXXX on the XXXX plus inquires that are tremendously hindering my credit profile and ability to access to funding. Others are reports being showing that the information is inaccurate reporting and not reporting the same information across all XXXX bureaus.
Consumer complaint received 2024-05-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (HI)

Currently, I have been to court XXXX times. 
I the process of trying to solve what owe and who owe money to. 
XXXX XXXX is Sueing in the court of Hawaii. for the amount XXXX USD XXXX is trying to collect on the same debt. 
Jefferson Capital Systems is also attempting to collect on this debt, has stated in their letter that is pass time to take this to court. I have attached a copy of all the correspondents.
Consumer complaint received 2024-05-15
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. (SC)

In XXXX with the fair credit Report XXXX act XXXX Account # XXXX, has violated my rights. XXXX XXXX Following For You 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 U.S. Code 1681a - Definitions ; rules of construction Exclusions.-Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as transactions or experiences between the consumer and the person making the report ; 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 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (FL)

To whom this may concern ( XXXX ) I have recently received my credit reports and noticed that an account was removed from XXXX of my credit reports but is still on my XXXX report, I am writing this letter to dispute the following accounts : CAINE & WEINER Account Number # XXXX, Reported : XXXX. XXXX, 2024. XXXX and this collection agency are both in violation of 15 USC 1692g as well as FCRA1681, Section 609. Section 610, Section 611. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt by law it is required for me to do so not verified as your company keeps stating. I do not validate this debt. I must be given the original contract with my signature on it. Therefore, the following account must be deleted from my report as required by law. Failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] This company has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 C & 1099A from the accounts that has been charged off. ( 1099 OID ) The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud. The company XXXX are supposed to show proof of this account being verified which is required by law. According to 1681 ( i ) a the law states that before your investigation is completed the item in dispute must be deleted for my report. The item was never deleted before the investigation is complete.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-15
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (FL)

I am writing to address an issue regarding my credit card account with your company. On XX/XX/2023, I received notification that my credit card ending in XXXX was closed due to No reason provided by the XXXX. However, I did not authorize nor request the closure of this account. 
This action has caused significant inconvenience and concern for me, as this credit card account plays a crucial role in managing my financial affairs. I have been a loyal and responsible customer of Home Depot Credit Card for XXXX Years and have consistently maintained a good standing with timely payments and responsible credit usage. 
I request an immediate reversal of the decision to close my credit card account and reinstatement of all associated privileges. Additionally, I ask for a thorough investigation into why this action was taken without my authorization, as well as assurance that such errors will not occur in the future. 
I also request that you provide me with a formal written explanation of the circumstances surrounding the closure of my credit card account, as well as any documentation related to this matter. 
Please consider this letter as a formal dispute of the adverse action taken against my credit card account. I expect a prompt resolution to this matter and request that you contact me at the earliest opportunity to confirm the reinstatement of my credit card account. 
Furthermore : In Pursuant to 15 U.S. Code 1615 If a consumer prepays in full the financed amount under any consumer credit transaction, the creditor shall promptly refund any unearned portion of the interest charge to the consumer. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution. 
Notice to Agent Notice Knowledge U.C.C 1-202 Respectfully, All Rights Reserved Without Prejudice - U.C.C. XXXX Name : By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-07
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. (FL)

I recently reviewed a copy of my credit report. I was shocked to lesrn that XXXX been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as i am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-05-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MA)

I have a cosigned student loan for roughly XXXX from The XXXX XXXX XXXX XXXX XXXX that was closed years ago and had multiple class action lawsuits against it for predatory lending practices and deceiving students. All of my Federal Loans have been officially discharged by the government. Navient is still trying to collect a private loan associated with the school. There is a form my father and I have asked for called Navient XXXX XXXX XXXX that they will not send for my private loan ( s ) with them to be discharged as well. I do not owe this loan to Navient. They know fully well these loans to students should be forgiven. I have also filed a dispute with the credit card agencies against Navient. My father has called Navient and they said my school was on the misconduct list they have but they will still not send the application because they know my loan will have to be forgiven.
Consumer complaint received 2023-05-05
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. (OH)

XXXX XXXX, a debt collector, suddenly put a collections on my report in XXXX from an apparent XXXX issue. When asking to provide documentation of the debt, they refused. I contacted XXXX and Equifax to dispute the collections and have them provide documentation or some sort of verification from XXXX XXXX and they did not. At no point have I lived at the address they quoted for service or done business with the original company.
Consumer complaint received 2024-05-16
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: JPMORGAN CHASE & CO. (IN)

I noticed a fraudulent charge on my account. It was for {$640.00}. I monitor my purchases daily. I XXXX  the vendor to find that it does not exist but may be located in XXXX. I have never been to XXXX. I was told this was no issue and it would be refunded as my credit card has fraud protection. I was not contacted but I noticed that the charge was returned to my account. I called again and was told that a XXXX XXXX  had been added fraudulently to my account so I was liable. I have never had XXXX XXXX  nor has my partner nor have I owed a single XXXX cellular device. I spoke to multiple individuals and was told as told as I could provide documentation that I do not have XXXX XXXX  I would be reimbursed. I provided such documentation and was told I would hear back in five business days. I did not hear back. I called and escalated to management 3 separate times. I was told that I had made the purchases. I asked all of them what documentation I needed to provide to prove that this was not me and this was a scam. I was not given any information on what to provide. I was told that their system does not have a process for disputing electronic payment fraud despite this being a large issue in XXXX. I was also told that they had no vendor information so I could not
Consumer complaint received 2024-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (AK)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act Convergent Account Child support XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Under 15 U.S.C 1681 SECTION 602 A State I have 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 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account in violation not reporting 100 % accurate its lists the Child Support court as the furnisher thats forgery and misleading when the courts dont report this type of account.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (GA)

Subject : Formal Complaint and Cease and Desist Order Against Bread Financial XXXX Comenity Bank ), XXXX, XXXX, and XXXX. 

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint and issue a cease-and-desist order against Bread Financial ( Comenity Bank ) for multiple violations of federal laws and regulations, as well as against XXXX, XXXX, and XXXX for their roles in reporting inaccurate and unauthorized information.

The crux of the inaccuracy in Bread Financials reporting lies in their knowledge that the debt in question was discharged. Despite this knowledge, Bread Financial continued to furnish information related to my account to XXXX, XXXX, and XXXX, which is a clear violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ).

Furthermore, Bread Financial unlawfully attempted to collect on a discharged debt ( with an EXTREME level of collection phone calls ), which is considered a certificate of indebtedness by the Internal Revenue Service ( IRS ). The IRS defines a charge-off as Gross or Ordinary income, and it clearly states that income can not be reported on a consumer report. Therefore, the reporting of this account as a debt is factually incorrect and does not align with IRS regulations. Bread Financial has failed to provide me with a 1099-C for the cancelled debt, which is required for filing as ordinary income according to IRS guidelines . This lack of documentation further supports the inaccuracy of reporting this account as a debt. Attached is a copy of the 1099-C in which I personally filed for Bread Financial.

Moreover, Bread Financial failed to inform me of my right to exercise my nondisclosure option, as mandated by 15 U.S. Code 6802 ( b ) ( c ). This failure, coupled with the unauthorized inclusion of adverse information in my consumer report by XXXX, XXXX, and XXXX, further demonstrates the systemic disregard for consumer rights and legal obligations. 

I hereby demand that Bread Financial immediately delete the account related to me from their records and cease all further reporting to XXXX, XXXX, and XXXX. This cease-and-desist order is issued in accordance with federal laws and regulations governing consumer rights and privacy. 

I also request a thorough investigation into the actions of Bread Financial, XXXX, XXXX, and XXXX regarding their handling of my account information and the inaccurate reporting of my financial status. This letter serves as my final attempt to resolve this matter amicably before pursuing further legal action, including filing complaints with the Securities and Exchange Commission ( Bread Financial Commission file no. XXXX ). 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc. (OH)

Received a XXXX debit card from Square , IncXXXX on XX/XX/2021. Instructions with card was to activate card through their Cash App. I did not request this card. A phone number or contact information for Square , Inc. was not included in mailing. I have no way to contact them.
Consumer complaint received 2024-05-16
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc. (DC)

Southwest Recovery Services XXXX XXXX XXXX. # XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Date : XXXX Original Creditor : XXXX XXXX XXXX Balance Due : {$15000.00} Client # : XXXX XXXX XXXX XXXX - CREDIT REPORTED ACCOUNT Mon, XX/XX/year> at XXXX XXXX  Your account was submitted to our office on XXXX and we have made several attempts to contact you and it is still not resolved. Your account has been reported to the credit bureaus. We would like to make you a final offer to clear up this past due amount and update your credit report. You may be entitled to a reduction in the amount owe of {$15000.00}. Do not wait to contact our office to see if you qualify.

Use the link below to make payment or call us at ( XXXX ) XXXX. Go on line to view your account and make payment.