davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2023-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (MD)

A collection account from CAINE & WEINER appeared on my credit report and do not have any knowledge of it nor do I have any written and signed contract with the mentioned company and have they have failed to present the contract which I dont have with them.
Consumer complaint received 2024-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I received a look at my credit reports and there were collections reporting on my credit bureau all of them. I have been flagged for Identity theft and believe I have been as always a victim of identity theft. I have sent out validation letters to these collection companies who stated I owe them and LVNV has not provided complete validation to the collection agency which is a 2nd collect company called Resurgent trying to collect a debt from me and has this debt placed on my credit reports. I have police reports in the past and affidavits of being a victim of identity theft. I have disputed the validity of this debt on XX/XX/2024 and received a notice from this Resurgent Capital services stating a 4 digit account number, original creditor ; XXXX XXXX XXXX Current owner another collection company LVNV funding, LLC with a reference # and a balance said I owe {$1100.00}, account holder name stating this is me. I have not received a copy of the contract with my signatures authorizing this agency or original creditor to collect on this debt. There is no date of first delinquency, payment history is not included or signatures of me stating this is my account. There are several account number pertaining to this account but none showing I'm obligated to pay this debt to this agency or signatures which belong to me stating I authorize applying for this debt. There's nothing from the original creditor that tells this agency to collect a debt from me. The current owner is another collection agency named LVNV Funding, LLC which is an collection company not the original owner. There is an statement of account summary and transactions I'm not aware of. As stated above there were a validation letter sent out to properly validate this debt stating and obligation to pay this debt to this agency. This information that was sent to me is very much inaccurate and does not belong to me. The addresses listed on my credit report under this agency regarding my personal information listed does not pertain to me and never was authorized to use on my personal information. I have an existing fraud alert on, my reports and just recently reviewed my credit reports discovering that my personal information may have been compromised and these are not my charges or authorized accounts.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

REINVESTIGATIONS OF DISPUTED INFORMATION 15 USC 1681i ( 1 ) ( A ) ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ). 
if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I constantly check my credit report and noticed that there are errors and false misleading information for individuals accounts and didnt meet the credit reporting standards of being XXXX correct. This information has effected my life and damaged my livelyhood. 

This is holding me back from getting approved for a house. I am demanding CFPB to enfore the correction and delete these items. I XXXX XXXX is authorizing this investigation.
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

I am writing to file a formal complaint against my financial institution, Chase Bank, regarding the handling of a fraud case and the subsequent delays and lack of communication in the release of my funds. This ordeal began on XX/XX/2024, and has yet to be resolved satisfactorily, causing significant financial and emotional distress. 

I was a victim of an employment scam where I deposited a fraudulent check for {$4900.00} into my XXXX account. Upon realization of the fraud, I acted swiftly to mitigate any potential damage by communicating with both XXXX and Chase. Unfortunately, the actions taken by these institutions have not only failed to resolve the issue but have compounded the difficulties involved. 

After transferring {$4400.00} from my XXXX account to my Chase account under the scam 's influence, I attempted to rectify the situation by transferring funds back and filing a fraud report with the FBI. Despite these actions, XXXX sent a Hold Harmless and Indemnification Agreement Request to Chase without my consent, which led to the closure of my Chase account and a hold on {$19000.00}, which remains inaccessible. 

I have repeatedly reached out to both banks to expedite the review and release of my funds. On XX/XX/2024, I was informed by Chase that they were waiting on further documentation from me, which was never previously communicated. I immediately complied with their request by providing the documentation the bank teller requested. It has been over XXXX weeks since my compliance, and there has been no progress or clear communication from Chase regarding the review of these documents. 

This situation has placed an undue burden on my financial well-being. The lack of prompt and clear communication, and the ongoing delays in resolving these issues, are unacceptable. I seek the CFPB 's assistance in addressing this matter to ensure that both XXXX and Chase adhere to their obligations to handle fraud cases and customer communications effectively and transparently. 

I am prepared to provide any additional information or documentation that may be required to assist in the resolution of this complaint. 

Thank you for your attention to this urgent matter. I trust that the CFPB will take appropriate action to help resolve these ongoing issues and prevent future occurrences of similar nature.
Consumer complaint received 2018-08-02
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. (IL)

I contacted XXXX XXXX. I told them they have erroneous information on my credit report. I said my balance should be no more than {$150.00} on my XXXX XXXX XXXX account ending in XXXX regarding XXXX XXXX, XXXX. Here is the information I told XXXX XXXX that I gave XXXX XXXX. 
I received a letter from XXXX XXXX about a XXXX XXXX account opened by XXXX XXXX, a XXXX, where he overcharged me for services I did not receive. I talked to XXXX, a Manager, at XXXX XXXX on XX/XX/XXXX that I did not receive the XXXX  XXXX treatment XXXX XXXX is showing on the ledger. In addition, XXXX XXXX said I would be pay for one treatment and get the next one free. I had asked XXXX XXXX for a copy of the billing for each of my six visits and to show what he is billing Medicare. He never sent me the information I requested. I stopped going there because I feel this is fraudulent activity perpetrated against me, a senior. I went over the amount I was disputing with XXXX from XXXX XXXX which is {$1200.00} which leaves me with a balance of approximately {$150.00}. I paid XXXX about {$60.00} on this account this month. XXXX never went over the information in the letter they sent to me prior to sending it. I could have told them at that point what I was still disputing. They should communicate properly with their customers, especially seniors, when they are being taken advantage of. XXXX has all this negative information reflected on my credit reports. I need this resolved right away.
Consumer complaint received 2018-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian continues to report address that do not belong to me or that I have never lived at. They continue to report my Name incorrectly. My name was changed by sealed court order to prevent XXXX XXXX. They are enabling this by contuing to report incorrect information. I have told them this. I have told them about the identity theft. I've faxed the police reports and FTC reports to no avail. 

My name should be listed as XXXX XXXX and only XXXX XXXX. 

My address should appear as XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX and Only XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-04-30
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK (AZ)

Today, XX/XX/scrub>/2024, I received a call from " XXXX XXXX '' stating his company name is XXXX XXXX XXXX in New York. XXXX stated that he wanted to share with me a way to lower my credit card interest rates to 0 % for as long as I keep the cards and could even negotiated a lower balance. XXXX then took all the information of my credit cards and said I would be speaking to a " XXXX XXXX ''. XXXX gave me his number : ( XXXX ) XXXX, ext. XXXX. I was transferred to " XXXX XXXX ''. 

XXXX wanted me to give him other cards because " XXXX '' sent them the notification that because I was paying all my credit cards on time and that I qualified for a hardship, I would qualify to have these credit card balances to be removed from my credit report. XXXX now asked again about other credit cards even though I had already given this company. He then said he would have " XXXX XXXX '' call me. XXXX gave me his contact number : ( XXXX ) XXXX, ext. XXXX. 

I did not get a called back. So, I called the above number and extension and XXXX answered without presenting his company name or even his name. He then stated my credit was bad and I was maxed out on my credit cards. I knew this already. I came to the realization that they was looking for a credit card that had no balance and that was either XXXX, XXXX or XXXX XXXX. His last words to me : " I don't want to talk to you any more '' and hung up the phone. 

I will be closing all the credit cards because of this situation.
Consumer complaint received 2024-04-30
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: Solar Mosaic LLC (CA)

I purchased a home in XX/XX/year> that had a solar system with a balance. I decided to assume the loan from Solar Mosaic. Solar Mosaic required me to fill out an application so they could run my credit. I filled out the application on XX/XX/year> and I received an email stating I was approved to take over the loan. On XX/XX/year> Solar Mosaic called me to tell me they made an error and needed me to fill out another application. They assured me they would not need to run my credit again and even if they did they would remove one of the inquiries. As a result of them running my credit on XX/XX/XXXX and XXXX I now have 2 inquiries.
Consumer complaint received 2023-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

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 2023-02-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-12-02
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was trying to open up a checking and savings account and i realize that i have damages on my credit report. According to the 15U.S.C 1681 law, there should not be any damages on my report, its a defamation to my character.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

When making a request to make an off cycle report called twice today the phone was disconnected ( XXXX ) twice on XX/XX/year> @ ~ XXXXXXXX XXXX. 

My available credit does not reflect accurately. 

Company : CapitalOne accounts : XXXX CapitalOne XXXX CapitalOne XXXX
Consumer complaint received 2023-05-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (NY)

the car was sold for XXXX I put down XXXX the loan book came with a XXXX for a used car with XXXX miles I was told my payment would go from XXXX to XXXX in 6 months all lies I want to join the law suit going for credit acceptance corporation XXXX XXXX XXXX car dealer ship that is making these XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2023, Chase Bank closed my accounts, which included both my college accounts and a joint account with my boyfriend. At the time of closure, the total remaining balance across these accounts was {$17000.00}. However, as of today, 157 days after the account closures, I have only received a partial refund of {$3500.00}. Despite numerous inquiries, Chase has not provided a clear reason for the closure or the prolonged withholding of the funds. The only response I have consistently received is that they are " investigating '' the situation. 

This delay and lack of communication are concerning, especially since I have not engaged in any activities that would breach the terms of the account or justify such an investigation. The prolonged investigation and the bank 's failure to provide updates or reasons for the hold on my funds lead me to suspect that the bank might be using my funds for purposes other than a simple investigation. I have made numerous attempts to contact the bank for updates, only to be told repeatedly to wait. 

I am seeking an immediate explanation for the account closures, a detailed update on the ongoing investigation, and the prompt return of the remaining balance of {$14000.00}.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: T.S. Holdings (IL)

My XXXX credit report is showing a collection to IQ Date International Inc. I have never entered any contract with this company or shared any personal information. The original creditor was paid in full. I owe no debit to the said third party.
Consumer complaint received 2023-05-06
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. (IL)

Dear Whoever this may concern, I am writing to express my deep concern and disappointment with the services provided by XXXX XXXX. I have recently become aware that the company has opened an account in my name without my consent or authorization on two separate occasions, the first being on XX/XX/XXXX, and the second on XX/XX/XXXX. 

As a consumer, I have the right to be protected against identity theft and fraud, and the opening of accounts without my consent violates this fundamental right. Furthermore, I have informed your company that the account in question was the result of identity theft or fraud, and have requested that it be removed from my record. Despite repeated attempts to resolve this issue, I have not received a satisfactory response from your company, and the account remains on my record. 

I believe that the actions of XXXX XXXX constitute a violation of my consumer rights, and I demand that immediate action be taken to rectify this situation. I am also requesting that you provide me with a written explanation of the steps that will be taken to ensure that this type of situation does not occur again in the future. 

I look forward to a prompt and satisfactory resolution of this matter. Please be advised that I will not hesitate to take further action to protect my consumer rights if necessary. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (OK)

Someone who was close to me that had access to my documents opened this fraudulent account in my name without my consent. They maximized the fraudulent {$500.00} credit card by doing charge backs which ended up being {$1700.00}. I never once opened this account or even used it. This is a direct result of Identity theft and betrayal. The account was opened on XX/XX/2021. I filed an FTC Report in regards to this matter ( Reference # XXXX ).
Consumer complaint received 2024-04-30
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

Bloomingdales credit card ( Citibank NA ). I was paying every month for the life of the loan on time. The card allowed over the credit limit and increased my monthly payment without notice. Once the monthly charges increased, I contacted their customer service ( XXXX ) in XX/XX/XXXX and ask why my monthly fees increased, they stated that they randomly charged additional fees for over the limit amounts to bring my balance down. I paid extra payments to bring it up to date and they still reported a delinquencies on my credit report. On XX/XX/XXXX I spoke to XXXX and XXXX to ask them why was I charged late fees even though l paid on time every month. XXXX stated that she noticed I paid on time every month and agreed to credit {$400.00} for the late fees. I was transferred to XXXX and she was going to help me with a hardship plan which forced me to close out the account, which will ruin my credit. They stated that they will continue to report derogatory information on my credit report even after I agreed to a payment plan.
Consumer complaint received 2023-09-06
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. (TX)

XXXX XXXX XXXX has violated consumer my rights by sharing my furnishing an account that is fraudulent for the last 3 months. I am attaching the FTC statement, to address the account that is fraudulent. Please remove the XXXX account off of my credit report. This account was not open by me.
Consumer complaint received 2023-06-05
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. (NC)

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 2024-04-30
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (IL)

I went to The Children 's Place to purchase my Son some school shirts. At the time of the purchase the sales associate who was also a store manager, asked me if I was interested in a " Rewards card '' She explained that each time I made purchases the card would accumulate points that could be used for future purchases. She never represented this card as a credit card. I completed my purchase for {$20.00} using my debit card. I then started to receive a bill from Children 's Place saying I have a credit card bill. When I disputed the charges with the creditor, they eliminated some fees and charges, but still saying I owe them {$140.00} from a {$20.00} purchase from a card that was sold to me deceptively. I feel I should only be responsible for my original purchase.