davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-09
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: JPMORGAN CHASE & CO. (TX)

Your company is furnishing an account on my credit report as a charge off which is debt that has been discharged and you took a tax write on. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the IRS and you will be reported for such. I demand you to remove the following item from my credit report and send the 1099-c so I can audit it to make sure you are in compliance. Also, the credit reporting agencies are reporting inconsistent information such as the Date last active and payment history. How can each bureau report different information if all data should be the same? You violated the FCRA 15 USC 1681eb you are reporting information that's not 100 % accurate. The IRS directed me to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. Please note that this account is also paid in a settlement and there was an agreement for the account to be deleted. Remove the following account from my credit report within 14 days Jpmcb Auto Finance XXXX
Consumer complaint received 2023-11-09
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: NEW YORK COMMUNITY BANCORP INC (CA)

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and FLAGSTAR BANK , N.A . XXXX
Consumer complaint received 2024-07-15
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: BARCLAYS BANK DELAWARE (TN)

XXXX XXXX admittedly charged us improperly ( totaling {$1000.00} ) on our Barclays XXXX XXXX AAdvantage Aviator Mastercard on XX/XX/year>. I have spoken to several representatives on the XXXX XXXX XXXX XXXX line and all have said we are due compensation however they can not issue the refund and only the refund department can do that. The XXXX XXXX XXXX department is non-responsive so we tried to dispute the charge through the credit card company. When filing the initial dispute with Barclays the representative told me it is very difficult to dispute a charge with the affiliate who is branding the card. I asked for the dispute anyways. Barclays sent a letter with the case numbers ( XXXX {$620.00}, XXXX {$620.00}, XXXX {$35.00}, and XXXX {$35.00} ). The letter stated a dispute XXXX was assigned and they would reach out if they needed more information, nowhere in the letter did it provide a way for me to submit information. Seven days later I received a notification in my credit card online account that they closed the dispute due to me not providing them information. I called to ask why nobody ever contacted me and they said the only way to reopen the dispute is to fax or mail in a request to reopen the dispute. I faxed the request in with details of all the ticket numbers and amounts and they still refuse to reopen the dispute. They are clearly not disputing it because it is a co-branded card with the merchant. I have copies of all the letters received, notes from my various calls with XXXX XXXX customer service reps which have all of the reservation and ticket numbers, and finally an XXXX spreadsheet accounting for the improper charges.
Consumer complaint received 2024-01-31
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC (TX)

Between XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX Source Receivables Manag collections was removed from my credit report Between XX/XX/XXXX and XX/XX/XXXX XXXX Source Receivables Manag collections was re added to my credit report Before the XX/XX/XXXX date Source Receivables Manag collections added a collections between XX/XX/XXXX and XX/XX/XXXX which was removed between XX/XX/XXXX and XXXX XXXX XXXX XXXX  I have never received any information about this account which keeps adversely affecting my credit score
Consumer complaint received 2024-01-31
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Greeting Team, LLC DBA Customer Care Global (AE)

In XX/XX/XXXX I requested XXXX to place my loan in a SCRA status due to me being called to Active Duty in the Army Reserves. XXXX failed to do so, so I filed a complaint via a regulator. 30 days later I received a XXXX ansld letter that loan payment was no longer needed and dismissed. Now forward to XX/XX/XXXX I received email stating that the account is with a collection company. I contact the collection company and they was not able to provide any information as the account was new. 

XXXX inconjunction with this collection company committed unfair practices by attempting to collect a previously forgiven date. XXXX lied to regulators that the loan was forgiven in XXXX, and is now trying to collect the loan. Therefore XXXX has decieved not only me but also the federal government and this debt collection company is colluding with them.
Consumer complaint received 2023-09-26
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: EQUIFAX, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Synovus Bank (FL)

Me and my husband got a loan then it was hacked by the person he did not sign anything. The hacker put the money in. In the meantime the bank said even tho it was hacked we still have to pay it back. The bank name is Synovous. They gave us a new account so we thought things were good come to find out when his SSDI and veteran pay came in the bank took it and won't give us nothing. My husband is a XXXX veteran and needs his money. We both didn't know this was fraud. The hacker is from North Carolina and has been taking people money we found out later. If you can help us it would be appreciated. I have done all I can do and so have my husband. Thank you
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX has failed to provide their method of verification. Also they are reporting inaccurate information on my credit report. I show them proof of the inaccurate information and the still fail to remove it. The have the date account opened wrong. Balance amounts wrong also balance history wrong on the Tennessee XXXX XXXX account. This account is inaccurate and I demand the account removed due to XXXX failing to verify negative information.
Consumer complaint received 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (OH)

I purchased 3 airline tickets from XXXX on XX/XX/2023. I was charged 6 times. I disputed the double charges but only was credited one overcharge. When I contacted credit card ( Synchrony ) they said I only disputed one charge. A new dispute was opened for the other 2 double charges. Charges was cleared after a month or so, then the charges was reversed and they said I owe it. {$610.00} for something I did not receive. XXXX is showing the credit card I purchased airline tickets. But when I call XXXX they tell me they see the problem and will fix it, that it was a computer glitch. 6 months later no results. Now are taking monthly payments out of my account.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (TX)

Collection Agency : Mercantile Adjustment Bureau Creditor : XXXX  aka XXXX  XXXX  Amount of Debt : {$160.00} I have made several attempts over the past XXXX years for Mercantile Adjustment Bureau to verify proof that I used the services provided by XXXX. I have sent countless formal requests via certified mail asking for Mercantile Adjustment Bureau to provide me with the original purchase agreement of this alleged debt by proof that I used the service by providing me with twelve ( XXXX ) months of billing statements showing I used the services, all to no avail. I have requested this information via certified mail for two years and I still do not have the information I have requested. Per the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must respond to a request for any and all documentation of the alleged debt and If they don't, they're in violation of the act. If they can not provide the original purchase agreement of this alleged debt between myself and XXXX, they must delete this entry on all of my credit reports with XXXX, XXXX and XXXX. 

Collection Agency : XXXX XXXX XXXXXXXX Creditor : XXXX  aka XXXX  XXXX  Amount of Debt : {$160.00} This debt listed with The XXXX XXXX is a duplicate entry for the same debt Mercantile Adjustment Bureau lists on all my credit reports. I have made several attempts over the past few months for The XXXX XXXX to verify proof that I used the services provided by XXXX. I have sent countless formal requests via certified mail asking for The XXXX XXXX to provide me with the original purchase agreement of this alleged debt by proof that I used the service by providing me with twelve ( XXXX ) months of billing statements showing I used the services, all to no avail. I have requested this information via certified mail for two years and I still do not have the information I have requested. Per the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must respond to a request for any and all documentation of the alleged debt and If they don't, they're in violation of the act. If they can not provide the original purchase agreement of this alleged debt between myself and XXXX, they must delete this entry on all of my credit reports with XXXX, XXXX and XXXX.
Consumer complaint received 2024-01-31
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Advantage LNS Inc. (MD)

I have a charge on my credit report from a XXXX XXXX that was reported in XX/XX/2019 for the amount of {$2500.00}. The debt does not belong to me. The social security number on the profile doesnt match my official social security number.
Consumer complaint received 2024-04-19
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. (LA)

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. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The card Exp was in XXXX I canceled the account in XXXX I paied all past balances and interest on spirit card offered by bank of America with no Annual fee so I took it in XXXX by XXXX they sent me a letter telling me they were going to start charging me an annual fee of XXXX a yr so I paied them what I owed plus interest and canceled the card it's on my credit report still u want it off then this man contacts me from XXXX XXXX in XXXX XXXX gives me his name and number and Ext tells me he will send a full repot to my E-Mail I get a 2 line letter in the mail and it tells me the matter is closed and there not changing anything I filed a complaint with XXXX of XXXX North Carolina with a pic of there letter the letter offers no Explain of why and this XXXX XXXX  from XXXX XXXX in XXXX XXXX doesn't answer his phone now interesting I want this off my credit report thank u
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Consumer Telecom & Utilities Exchange, Inc. (OK)

The deletion or blocking of accounts resulting from a data breach and unauthorized inquiries is governed by FCRA Section 605B, specifically addressing the blockage of information arising from fraud or data breaches [ 15 U.S.C. 1681c-2 ]. Additionally, FCRA Section 604 outlines the permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. 
I am writing to formally dispute the presence of accounts on my consumer credit report, as referenced below, which stem from data breaches or fraudulent activities. I request tangible, verifiable evidence that bears my signature or electronic signature. I emphasize that this correspondence represents my interests, and I kindly request your thorough review. These actions were undertaken without my authorization, thus infringing upon my consumer rights as defined by the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ]. 
It has come to my attention that these companies initiated these actions without proper validation or original documentation from any of the reporting entities. 
Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc ()

Hello, how are you? 
On XX/XX/XXXX, Friday, I received a message informing me that you tried to contact me on the phone ending in XXXX. However, I did not receive any calls. Its possible that my phone identified the call as telemarketing and blocked it. 
Regarding notifications in the website inbox, there was no message related to sending additional information relevant to the case. The same happened with my email address, where there were no updates about my case. 
The next day, Saturday, at XXXX XXXX, I received the decision that my complaint had been denied. I believe the platforms minimum response time is 20 days, yet my complaint was denied in less than 24 hours. 
Regarding the eligibility of my purchase, the item I bought is related to XXXX XXXX, as detailed in the purchase history title. I tried reopening the case on XX/XX/XXXX, but the same issue occurred, and this time the complaint was denied shortly after reopening. 
Im not sure if there was some internal security block, but I am unable to access my account through the browser, and Im not receiving SMS codes on my phone. I can only access it through the app, and Im unsure if this is due to a device change or unauthorized access to my account.

I provided all possible evidence that I did not receive what I purchased and also sent all necessary information within the specified timeframe. Below, Ive attached screenshots of the emails I received. 
Thank you in advance for your attention, and I await a solution for my case. 
Best regards.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

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 XXXXXXXX XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXX has violated my rights. 

Credit bureaus reports XXXX XXXX repossessed the loaned vehicle and the vehicle was paid off. This statement is contradictory. 



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 an 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 2024-01-31
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Recovery Management Solutions LLC (OH)

Recovery Management Solutions has contacted another member of my household more than once. According to the Fair Debt Collections Act, they can only do this once. They have left more than one voicemail to that same person. I also do not have any written documentation of the debt that I allegedly owe to RMS, or a confirmation that I have an obligation to pay it.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

15 U.S.C 1681b ( c ) breach of my privacy rights I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a serious violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX XXXX XXXX XXXX XXXX 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 2023-08-31
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. (PA)

I XXXX XXXX noticed I have some fraudulent accounts appearing on my credit report I have attached a FTC Report below. 


1. XXXX XXXX {$690.00} 2. XXXX XXXX XXXX {$5100.00} 3. XXXX XXXX XXXX {$520.00}
Consumer complaint received 2023-05-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC (OR)

On XX/XX/23 my wife initiated a transfer of {$25000.00} from our E-Trade Premium Savings account to our checking account at another institution. E-Trade temporarily disabled our account due to unusual activity. I called E-Trade today to attempt to unfreeze the account so we could complete the transaction. After spending over 25 minutes on the phone with numerous representatives I was told I would have to make a 3-way call between E-Trade, myself, and my regular bank to verify that the account the funds were going into was a joint account. Evidently they didn't feel my wife should have the ability to make the transfer herself. However, over the period of XXXX my wife moved {$300000.00} from this same E-Trade account to the same bank account to pay our taxes. 

I was out of time that I could spend on the phone and demanded that the representative from E-Trade unlock my account. They refused and said they could not do this.

I called back about one hour later and tried again to unfreeze my account. This time I was told I would have to send in copies of the bank statements for the account I wanted to transfer into. I requested them to close my account and move all funds to my bank, as I am done with E-Trade. The representative on the phone said they could not do this, they could not get their manager or supervisor to help me, and said one of their managers would call me back. I have waited all day and there has been no return call from E-Trade.

I want E-Trade to unfreeze my account so that I can pull all funds from them and close the account. They were going to lose {$25000.00} in deposited accounts that we were going to transfer to our bank, they are now loosing {$63000.00} in deposited accounts.
Consumer complaint received 2023-10-05
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: TOYOTA MOTOR CREDIT CORPORATION (CA)

I am writing to bring to your attention the unresolved issue concerning late payment accounts on my credit report. Despite previous attempts to rectify these discrepancies, they remain unaddressed. The ongoing issue with late payment account remains unresolved, causing concerns and potential financial repercussions. I kindly request a thorough review and prompt resolution of these issues to ensure the accuracy and fairness of my credit report. Your immediate attention to this matter is greatly appreciated. 


XXXX XXXX XXXX XXXX