davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (UT)

I mobile deposited a check into my savings account over a month ago. There was a hold on it and Chase verified they received it and would be removing the hold. I called in the next week and they claimed there was now no record of ever receiving the check and I was instructed to deposit the check into the ATM. I clarified several times to ensure this wouldnt be an issue, they told me no. As soon as I deposited the check, I received the funds, then Chase adjusted it as a duplicate item. I called in and they said there was nothing that could be done because it was a duplicate and that I should reach out to the check issuer ( State Tax Return ). The state verified that Chase had received the funds so they would not issue another check. After countless hours on the phone it was finally told to me that the check was somehow sent to someone elses checking account. I was informed over and over that I would receive a resolution. Every day I called in I was told I would hear back in 24 hours. I even went into a branch and met with the manager who had no idea what to do and failed to call me back. After many more phone calls I thought it was resolved after a Claims rep told me that a temporary credit would be issued within 1-2 business days. When that didnt come I went to another branch and met with another manager who called the claims department and they said the case was CLOSED. I have waited over a month and still can not get any kind of resolution into this. {$950.00} state tax return has been stolen from us. It is absolutely insane to be able to take an endorser government issued check and make errors like this. This is theft and my finances are not secure with Chase.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This is my last attempt to get these fraudulent items off my Experian credit report. XXXX and XXXX have already removed it due to fraud but you continue to violate federal law by reporting fraudulent information not associated with me.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (TX)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2023-12-12
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: Experian Information Solutions Inc. (MO)

As usual experian is closing another complaint without addressing the problem which still is experian stole NOW XXXX  months of on time never late payments to XXXX and refuse to give them back but give ridiculous explanations for things that don't have anything to do with the problem
Consumer complaint received 2023-12-12
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. (FL)

I am writing to bring to your attention an issue I have encountered with my credit report. I noticed an unexpected drop of XXXX points in my credit score, which I couldn't attribute to any financial action on my part.

In an attempt to rectify this situation, I reached out to your customer service team. However, they informed me that they were unable to locate my information in your company profile. This was surprising and concerning, as I have been actively monitoring my credit through your services.

Despite my efforts to resolve this issue, it remains unaddressed. The unexplained drop in my credit score is causing me significant distress and potential financial harm. I am concerned about the accuracy of my credit report and the potential impact this could have on my future financial endeavors.

I kindly request your immediate attention to this matter. I am hopeful that upon receiving this information, you will be able to identify the cause of the score drop and rectify any inaccuracies in my credit report. 

I look forward to your prompt response and resolution of this issue. 

Best Regards,
Consumer complaint received 2023-12-12
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: Credit Fresh Holdings Inc (DE)

I opened an account with Creditfresh in XXXX, XXXX. Had issues with repayment starting in XXXX. Spoke to several reps that gave incorrect information regarding credit reporting, status, etc and filed a complaint. 

I was told that I had until XX/XX/XXXX to bring the account current to avoid default. On XXXX the account was placed in default, which resulted in credit reporting. 

Numerous times I have become aware of phone calls being recorded without being made aware.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my Second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ; XXXX XXXX XXXX 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 Owed : {$0.00} ; XXXX XXXX Balance Owed : {$430.00} ; XXXX  XXXX Balance Owed : {$8600.00} ; XXXX XXXX Balance Owed : {$720.00} ; XXXX/XXXX  XXXX Balance Owed : {$770.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$340.00} ; XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-14
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: Experian Information Solutions Inc. (NC)

These accounts dose not meet the XXXX XXXX Compliance for reporting. 

Experian report number XXXX -XXXX XXXX XXXX  account XXXX .... 
XXXX XXXX XXXX account XXXX .... 
XXXX XXXX XXXX account XXXX .... 
XXXX XXXX XXXX account XXXX .... 
XXXX XXXX XXXX account XXXX .... 
XXXX XXXX XXXX account XXXX .... 
XXXX XXXX XXXX  account XXXX .... 
XXXX XXXX XXXX  account XXXX .... 
-XXXX  XXXX acct XXXX -XXXX  XXXX acct XXXX XXXX XXXX account XXXX .... 
XXXX account XXXX XXXX. 
XXXX XXXX XXXX account XXXX .... 
XXXX XXXX XXXX account XXXX ....
Consumer complaint received 2023-12-12
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: Paypal Holdings, Inc (MA)

I got {$300.00} taken from my debit card account on XX/XX/XXXX. Venmo credited {$45.00} but won't credit the remaining {$260.00}. I didnt make any of these charges. 


Dispute Credit XXXX For your Venmo card transaction on XX/XX/XXXX + {$20.00} Dispute Credit XXXX For your Venmo card transaction on XX/XX/XXXX + {$20.00} Dispute Credit XXXX For your Venmo card transaction on XX/XX/XXXX + {$5.00} You paid XXXX XXXX XXXX XXXXXXXX - {$5.00} You paid XXXX XXXX XXXX  XXXX Scam. It was a fraudulent charge - {$100.00} You paid XXXX XXXX XXXX  XXXX - {$50.00} You paid XXXX XXXX XXXX XXXXXXXX - {$50.00} You paid XXXX XXXX XXXX XXXXXXXX - {$20.00} You paid XXXX XXXX XXXX XXXXXXXX - {$20.00} You paid XXXX XXXX XXXX XXXXXXXX - {$20.00} You paid XXXX XXXX XXXX XXXX - {$20.00} You paid XXXX XXXX XXXX XXXXXXXX - {$20.00} You sold XXXX XXXX
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for reference.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-12-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Klarna AB (IL)

I've noticed that there was a debt with Klarna under my name and I've never had them nor heard of them. I am a true victim of Identity theft. I've filed police reports as well. By provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX XXXX  regulations, I demand that this above-mentioned account be permanently removed from my Early Warning System. Thank you in advance for your WILLFUL rectification of the notated MIS-INFORMATION above indicated. Be advised I am NOT seeking a generic statement saying that these items are verified. I am requesting undeniable, irrefutable PROOF that the alleged accounts are verified and validated and accurate. I've filed a full police report for identity theft. I am requesting for this to be permanently removed from under my name and my credit report.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-01-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

DID NOT WANT TO FIX BY PHONE NOR INTERNET.. i IT IS ALLMOST IMPOSSIBLE TO GET APPROVED FOR CREDIT AND ANYTHING EALSE .I DONT LIKE IT SO PLEASE REMOVE IT ....
Consumer complaint received 2023-12-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc. (CA)

I am writing to file a formal complaint against Credit Management LP regarding their handling of an account listed on my credit report. The account in question pertains to an alleged debt from XXXX XXXX, which was sold to Credit Management LP and is currently reported as a collection account with the account number XXXX. 

Upon reviewing my credit report dated [ Date of Report ], I discovered this account listed as a collection with a balance of {$400.00}. However, there are multiple factual discrepancies and potential violations associated with this entry : Lack of Verification : Credit Management LP has not provided adequate verification or validation of this debt despite my requests for proof of the alleged obligation. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive verification of the debt within 30 days of my request. To date, no such validation has been provided. 

Reporting Inaccuracies : The reported date of last activity and status updates on the account are erroneous. The status indicates a past due amount of {$400.00} as of XX/XX/2023, which is inaccurate and misleading. There has been no recent activity or any attempt to contact me regarding this debt. 

Lack of Notification : I have not received any formal communication or notice from Credit Management LP regarding the assignment or existence of this alleged debt before it appeared on my credit report. This lack of communication violates the FDCPA 's requirements for debt validation and consumer notification. 

Failure to Comply with Reporting Guidelines : The reported account inaccuracies and lack of verification have negatively impacted my credit profile. This has affected my ability to secure credit or loans, and it is damaging my creditworthiness without lawful basis. 

I respectfully request that the Consumer Financial Protection Bureau investigate these violations by Credit Management LP and take appropriate actions to rectify these discrepancies. I seek the removal or correction of this account from my credit report and an assurance that Credit Management LP adheres to all consumer protection laws and reporting guidelines.
Consumer complaint received 2023-05-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Central Portfolio Control Inc. (CA)

CENTRAL PORTFOLIO CONTRO On XXXX XXXX has opened a collection that Im not aware of until this day. XXXX XXXX XXXX XXXX is Original creditor, I dont know who they are. I have never received validation letter and was never notified of this debt not by email nor by letter to my residential address not by original creditor not by collection agency. When I tried to contact CENTRAL PORTFOLIO CONTRO they didnt provide any information to me and moreover, they discriminating me! I need help to stop this, thank you
Consumer complaint received 2023-11-10
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)

I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/23 I sent {$250.00} by XXXX thru my Truist Bank Checking account to my son. 
Confirmation # XXXX. My son had changed bank. He did not receive the funds. He contacted XXXX and was told the funds would be returned to me if not received in 10 days. He never received the funds and they were not returned to my account. 

I contacted Truist and was turned over to their fraud division. Gave them the information. 
They issued complaint # XXXX. On XX/XX/XXXX they sent me a letter stating the following : " Based on a review of our records and the information gathered during the course of our investigation, we have determined with respect to the above-reference amount that the transaction was initiated by you for the amount due for which you received benefit. You are encouraged to resolve the matter with the merchant. You have the right to request a copy of any documents that we may have relied on in making this determination ''. 

I did not receive any benefit only a loss in funds. 
They have advertised using XXXX.
Consumer complaint received 2023-12-12
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: Credit Karma (FL)

I am writing to bring to your attention an issue I have encountered with my credit report. I noticed an unexpected drop of XXXX points in my credit score, which I couldn't attribute to any financial action on my part.

In an attempt to rectify this situation, I reached out to your customer service team. However, they informed me that they were unable to locate my information in your company profile. This was surprising and concerning, as I have been actively monitoring my credit through your services.

Despite my efforts to resolve this issue, it remains unaddressed. The unexplained drop in my credit score is causing me significant distress and potential financial harm. I am concerned about the accuracy of my credit report and the potential impact this could have on my future financial endeavors.

I kindly request your immediate attention to this matter. I am hopeful that upon receiving this information, you will be able to identify the cause of the score drop and rectify any inaccuracies in my credit report. 

I look forward to your prompt response and resolution of this issue. 

Best Regards,
Consumer complaint received 2023-12-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TN)

LVNV FUNDING is classified as a " junk debt buying '' abusive debt collection company by the Federal Trade Commission ( FTC ). LVNV FUNDING was sued just recently for deceptive and abusive practices. All 3rd party debt collection companies are regulated under the Fair Debt Collection Practices Act. No alleged verified statement makes debt collectors exempt for breaking the law under the ( FDCPA ). LVNV FUNDING is known for using deceptive practices. Even now, per FDCPA Resurgent can not represent LVNV Funding. That is false and misleading representations per 15 USC 1692e ( 14 ). ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. I XXXX XXXX want to also highlight that LVNV FUNDING did not respond to me directly when I asked them to validate the debt per 12 CFR 1006 Regulation F of the FDCPA or 15 USC 1692g. By law they are given 30 days to respond per 15 USC 1692g ( b ) ( FDCPA ) and they did not do so. That is a violation, and they are now liable to the consumer XXXX XXXX per 15 USC 1692k. Failure to comply to law prompts deletion of the any information the debt collector when they use abusive deceptive practices, otherwise LVNV FUNDING will face court consequences. I had to file a complaint with the CFPB just to get a response from this company. LVNV FUNDING also violated the privacy act per 5 USC 552a by illegally having personal information such as name or social security number is protected by the Privacy Act 1974 which is also in possession of the debt collection company Resurgent. Ths company has broken many laws during their response in the letter they sent to the CFPB in my initial complaint. Just because they sent statements to verify an alleged debt still does not validate the debt. It's called DEBT VALIDATION not debt verification. What LVNV FUNDING had Resurgent to send responding to my initial complaint, did not prove anything. Especially since they are being passive and avoiding responding to my letters directly. Their silence is of the acquiescence. Furthermore, LVNV FUNDING debt collection company lied and said they didn't break any laws. They have violated my rights. They are currently in violation. Under the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], disputed items must be validated or deleted and removed from my credit record within 5 days, Privacy Act violations U.S.C. 552a ( g ) ( 1 ) ( A )
Consumer complaint received 2024-03-15
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: Experian Information Solutions Inc. (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-08-03
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. (MI)

I was looking to purchase a home and noticed multiple inaccuracies on my credit report, including fraudulent inquiries, accounts and addresses. I contacted XXXX, Equifax and XXXX but they did not respond, nor correct all inaccurate information. I have called them and sent them dispute letters over a month ago. In pursuant to 15 U.S. Code 1681 they are defaming my character and now willfully continuing to report false information. 

The following addresses are inaccurate- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX