davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

Chase denied 2 disputes when they have honored disputes on my behalf in the past. XXXX XXXX XXXX XXXX XXXX scammed me out of XXXX sent through XXXX XXXX XXXX XXXX XXXX After multiple attempts to communicate and get money refund from merchant Chase said sent proof returned damaged product. First had faxed multiple times they kept saying didnt receive giving multiple fax numbers. Then received gave further run around. Deliberately refusing to honor dispute and give customers the run around this they just started doing. Date of transaction XX/XX/XXXX Inquiry XX/XX/XXXX claim number XXXX. 

XXXX XXXX XXXX scammed out of XXXX after being dishonest about their property. Decided to drive out all the dumpters were over loaded with trash lots ppl hanging out said don't move their rat roach infestedXXXX XXXX this property mgt. in Georgia they have many properties with complaints of roach rat infestation. I emailed the property mgt. and she did not respond. Chase Bank said they sent them a copy of some policy shared with me regarding refunds, not true requested on XX/XX/XXXX a copy of this policy from claims who gave me the run around on the phone for about an hour on XX/XX/XXXX. Never sent. 

Chase Bank is not not honoring disputes even after you follow through ie return property request documentation they say got from respondents and they just give you the run around finding ways not to refund you. Have done plenty business with them and this is wronng. I have been communicating with them through the app, you cant screen shot the conversations their have been multiple on this issue beginning early XX/XX/XXXX to XX/XX/XXXX the last phone discussion with claims. They find this humorus the frustration they put you through have them pull the call of XX/XX/XXXX claims for you to hear. Date transaction XX/XX/XXXX Claim number XXXX. 

They mix claim numbers, claim not to get fax, give you the run around through the app and not honor disputes after you follow through on everything they requsest. It is time comsuming and frustrating when they string you along for months. Please have them pull the corresponses from the app. I give permission. XXXX XXXX
Consumer complaint received 2023-04-19
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. (CA)

Hello i'm writing regarding account on my credit reports that do not belong to me and was opened fraudulently i tried to handle the issue with credit bureaus but not a big help its still there.I checked my credit report and they had a wrong date of birth and addresses there to which i sent credit bureaus copy of my driver license with my real date of birth and an ftc report in which they did not responded and the account still remains on my report dramatically lowering my credit score.I will go ahead and attach the FTC report to my complaint and i expect credit bureaus to block inaccurate information.I also went ahead and talked to the creditor and found out that whatever information they have on their end the account that was opened under my social security number did not match with my date of birth or address that i reside on.
Consumer complaint received 2016-03-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Malcolm S. Gerald and Associates, Inc. (IL)

They call my home over and over again. They call my employment and not my direct phone number, over and over again and harrass my coworkers with questions but provide no information for them to take a msg. They just called my job three times in five minutes to our customer service XXXX #. They are going to get me fired and it is very embarrassing. They are harrassing, provide no information and ask for personal information i would never disclose by phone and that they should have already if i am the correct debt collector they are looking for. They will not provide me with the bill they claim i owe, nor are they providing the original creditor information etc. I would like them to stop calling me as a whole until they can provide me by phone the information that i will need to pay this bill if i am the correct debtor.
Consumer complaint received 2023-10-15
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: DISCOVER BANK (CT)

Laptop, cell phone, and wallet were stolen from a local college library. As a result, there are '4 ' fraudulent charges on the credit cards in my walletat the time of this breach ( accounts and charges are outlined in this affi davit ). Additionally, credit card accounts have been hacked and the address changed to XXXX I have no association with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lastly, I reviewed my XXXX credit report and found thefraudulent address listed in addition to '3 ' unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a result of the unauthorized activity, I locked and placed a fraud alert with each credit bureau on XXXX 

This particular charge ( {$1100.00} ) is related to a XXXX XXXX  scam by an unregulated broker ( XXXX ) located in the XXXX XXXX. The account that the fraudulent charge is related to is under a different name and demographic information. Attached to this complaint is an FTC Identity Theft Affidavit, Police Report, and the XXXX invoice showing the account is under a different name.
Consumer complaint received 2023-10-15
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (TX)

tried contacting synchrony bank about XXXX inquires that happen in the same day and to investigate so it can be removed but told me they cant do anything to resolve it. 
i created a report on www.identitytheft.gov and reference # XXXX.
Consumer complaint received 2023-10-15
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC. (GA)

On XX/XX/2023 I wrote a dispute letter to XXXX XXXX XXXX requesting that they provide me with verification of the alleged debt they are attempting to collect. I noticed that Santander has made the account a charge-off on my consumer report with a {$0.00} balance and a 1099c was also suppose to be sent to me so I can file it on my tax returns as gross or ordinary income. If that be the case then how can XXXX legally try to collect a debt impersonating the original creditor. That is against the FDCPA 15 USC 1692e False or misleading representations.
Consumer complaint received 2023-10-15
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (GA)

On XX/XX/2023 I wrote a dispute letter to NCB Management Services requesting that they provide me with verification of the alleged debt they are attempting to collect. I noticed that XXXX has made the account a charge-off on my consumer report with a {$0.00} balance and a 1099c was also suppose to be sent to me so I can file it on my tax returns as gross or ordinary income. If that be the case then how can NCB legally try to collect a debt impersonating the original creditor. That is against the FDCPA 15 USC 1692e False or misleading representations.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear CFPB, I am writing to file a formal complaint regarding fraudulent reporting of an account on my TransUnion, XXXX, and XXXX credit reports by XXXX XXXX XXXX. Upon scrutinizing my credit reports, I discovered an erroneous listing of an account attributed to XXXX XXXX XXXX that does not pertain to me. This inaccurate reporting not only damages my credit history but also violates my consumer rights to privacy and accuracy in credit reporting. 

Under the stipulations of 18 USC 8, I affirm that I do not owe any debt to XXXX XXXX XXXX. Therefore, the inclusion of this account on my credit reports is not only unjust but also illegal according to federal law. I raise doubts about the validity of their claim and demand immediate removal of this erroneous information from my credit reports to rectify the harm inflicted upon my creditworthiness and reputation. 

I expect prompt action to address this issue and restore the accuracy and integrity of my credit reports. Failure to do so will compel me to escalate this matter to the appropriate regulatory authorities and legal entities. I implore you to treat this matter with the seriousness it deserves and to address it promptly. 

Kindly acknowledge receipt of this complaint and provide a timeline for resolution. You may contact me using the information provided below. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-10-15
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: Experian Information Solutions Inc. (NJ)

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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (WA)

I am supposed to receive an interest rate reduction when I sign up for autopay. 

I signed up for autopsy on XX/XX/XXXX. My application hasnt been processed yet. 

I reached out to check the status in XXXX and was told it wasnt processed yet. When I looked on my account it said that the first auto payment was scheduled for XX/XX/28. 

I checked back and now it says the first auto payment is slated for XX/XX/28. I reached out again and havent received a response. 

In the interim, they have been charging me the higher interest rate.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX Account number XXXX Late Payments Unauthorized Inquiries {$3300.00} XXXX XXXX Account number XXXX Account is Closed please remove off from my credit report unauthorize inquiries XXXX XXXX Account number XXXX Account is Closed please remove off from my credit report unauthorize inquiries XXXX XXXX Account XXXX XXXX Account is Closed please remove off from my credit report unauthorize inquiry XXXX XXXX Account number XXXX Account is Closed please remove off from my credit report unauthorize inquiries XXXX funding Account number XXXX Account is Closed please remove off from my credit report unauthorized inquiries {$8200.00} Account XXXX Medical account {$2400.00} Unauthorized Inquiry please remove off of my credit report XXXX XXXX Account number XXXX Charged off account unauthorized inquiry please remove off my credit report XXXX XXXX Account number XXXX Charge off account {$50000.00} unauthorized inquiry please remove off credit report
Consumer complaint received 2023-10-15
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CCF Intermediate Holdings LLC (PA)

Beginning in 2016, and every year since Speedy Cash lending has tried to get me to pay for a payday loan that I did not take out, payday loans are illegal in the State of Pennsylvania. Today the total of what I owe is currently {$21000.00}. This is money that I did not borrow I have scanned all of their documents so that it has dates and amounts that I owe along with their court costs and fees
Consumer complaint received 2020-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-04-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Harpeth Financial Services, LLC (VA)

well the account was charged off being my monthly payments more than doubled. It was harder to keep up payments. Well last week, they drafted two payments from my account over {$700.00} but tried to draft three payments at one time, but the bank rejected the last one. During this COVID-19 ordeal money is tighter than usual and for them try to get 3 payments out my account is ridiculous. My entire check was gone! I heard of businesses offering customers a 3 month moratorium, I just want to know was this action lawful under the fair debt collections policy
Consumer complaint received 2024-04-05
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. (SC)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) 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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX - XXXX Account number : XXXX Account name : XXXX - XXXX Account number : XXXX Account name XXXX XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2020-04-08
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (TN)

Unemployment made two deposits to me. It stated that my banking info was wrong ( it wasnt ) so the money was deposited on a way2go card. I never received a card and I can not get a live person to talk to at the way2go card. No number or option is available or email address. I need to get in touch with them for the state of Tennessee. I have contacted the unemployment office in XXXX but they can not help with the way2go card. I have contacted the bank that backs the way2go program and I was told they only provided the plastic for the card.
Consumer complaint received 2020-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This complaint is against Bank of America regarding false and erroneous banking practices. Bank of America is duplicating charges in my checking account. On XXXX/XXXX/2020 I paid XXXX XXXX from my Bank of America checking account {$650.00}. The transaction cleared and posted to the checking on XX/XX/2020 as paid. On XXXX/XXXX/2020 a duplicate transaction for {$650.00} was debited to my checking account by Bank of America this caused my account to become overdrawn by {$51.00} and I now have no access to my money to go grocery shopping. I called XXXX XXXX, the merchant, and they only have one payment in the amount from me of {$650.00} not two as Bank of America is reflecting in my checking account.what is more is on Friday XXXX/XXXX/2020 my debit card was cancelled due to fraud in the amount {$710.00}. The fraud was cleared up on XXXX3 days later. If my debit card was cancelled on XXXX/XXXX/2020 how was my card debited a second time on XXXX/XXXX/2020 four days later in the amount of {$650.00}? there is NO way for XXXX XXXX to charge my card for {$650.00} from a debit card that was cancelled four days previously.
Consumer complaint received 2023-03-11
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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

15 U.S.C 1681 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1692b ( 5 ) - Acquisition of location information not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
Consumer complaint received 2019-05-29
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

I had a lease with Nissan-XXXX which had come to term and was paid as agreed. It is reporting settlement paid for less then the full amount this is inaccurate. 1. Any fees due after the term of my lease is a separate agreement and can't be attached to a previous loan agreement. 2. I made this settlement with a different agency not with nissan.
Consumer complaint received 2023-09-26
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: EQUIFAX, INC. (NJ)

These accounts affect me and are reported incorrectly, delete immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-12
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX