davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-18
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: JPMORGAN CHASE & CO. (NY)

I purchased a rug in a village an hour or so outside of XXXX, XXXX in XX/XX/XXXX. I wanted to purchase a blue rug, and it was a cheap store. The seller and I negotiated heavily for more than an hour, and agreed on a price of what was equivalent to {$75.00} for a cheap rug that originally started from nearly XXXX the price originally. 

I come back to the states to find that the company has billed me for XXXX the agreed upon price. The company charged me much more than it was, and has refused to communicate with me when reached out through XXXX.
Consumer complaint received 2023-11-18
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. (PA)

I XXXX XXXX Currently have some Fruad inquiries on my equifax report. 

XXXX. XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/2023
Consumer complaint received 2023-04-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AL)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. 
XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2024-05-24
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. (CA)

I have disputed this company regarding a fraudulent account, starting on XXXX, and after the investigations on XXXX I had results from all 3 bureaus resulting in removal from my credit file. On XXXX This company added it again, I contacted all 3 bureaus and disputed it again, after the 2nd investigation I received the results on XXXX it was removed again on all 3 bureaus. On XXXXXXXX XXXX XXXX added it again and for the 3rd time they maliciously put a negative mark on my file. I have never had a XXXX XXXX  account, when I contacted their fraud department I was denied access to the department that has this claim. and was told there is nothing that could be done, I have all the necessary documents on file with the bureau 's FTC report etc, at XXXX XXXX I spoke with XXXX XXXX XXXX XXXX XXXX  a Manager in fraud and dispute. it has been over 90 days and investigations by all 3 bureaus. I am making this complaint to have on Record beyond the credit bureaus, XXXX XXXX  IS MALISHOUSLY DOING THIS BECAUSE I WENT TO THE XXXX REGARDING THEM. THE LAW SAYS THEY HAVE 30 DAYS IT HAS BEEN 90 AND 3 INVESTIGATIONS AND XXXX XXXX HAS NEVER PRODUCED ANY INFORMATION TO JUSTIFY THIS. This has been removed 2 time this company is hurting my credit file with a fraudulent account.
Consumer complaint received 2024-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I am writing to dispute an inaccurate charge-off listing on my credit report. The information below identifies the incorrect charge-off : Account Name : Capital One Account Number : XXXX Original Date of XXXX This charge-off has been removed from my XXXX credit report, indicating it is no XXXX considered a valid debt. I have attached a copy of my XXXX report for your reference, where the charge-off is no longer present. 

I respectfully request that you : Investigate the continued presence of this charge-off on my credit report. 
Remove the inaccurate charge-off listing as soon as possible. 
I understand that accurate credit reporting is essential. Please promptly update my credit report to ensure it reflects my current financial standing. 

Thank you for your attention to this matter.
Consumer complaint received 2023-07-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$510.00}, XXXX XXXX Balance : {$0.00} & XXXX XXXX Balance : {$8800.00}
Consumer complaint received 2022-11-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (PR)

Please refer to the two letters my attorney sent to creditors regarding Account # XXXX. I am a victim of identity theft and fraud. I notified Customer Service but I am still receiving statements and collection demands. My credit has also been affected.
Consumer complaint received 2023-12-16
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. (GA)

Recently, I received my credit report from your company. After reviewing it, I found that the information you are providing on some items contains not only invalid and incomplete information, but both inaccurate and incorrect information as well. I ALSO NOTICED ON MY CREDIT REPORT THAT I AM A VICTIM OF FRAUD. As you know, all incorrect information MUST be IMMEDIATELY REMOVED from my credit report. As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1681, 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, Validation of Debts, creditors are required to provide this information or release the invalidated debt information from my credit report. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file and on my consumer report at all times. Please delete the following inaccurate information from my credit file and my consumer report. I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately.
Consumer complaint received 2024-04-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc. (GA)

I have an account with Crypto.com. 

Starting in XXXX I have not been able to sign in to account. 
I have been back and forth with customer no service for months. 

The problem is the email I signed up with no longer works. 
I sent them new email info and just get caught up in this doom loop of no service.
Consumer complaint received 2023-11-18
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. (GA)

I did not consent to nor benefit form the following inquiries on my consumer report : XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. 

This is a new complaint, do not mark as a duplicate.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing to follow up regarding the ongoing frustration with the presence of fraudulent items on my credit report despite my repeated attempts to have them removed. Despite providing extensive documentation and evidence to support the removal of these fraudulent items, they persist on my credit report. This situation not only undermines my financial credibility but also poses a significant threat to my financial well-being. 

It is imperative that immediate action is taken to rectify this matter. I expect a thorough investigation into why these fraudulent items continue to appear on my credit report despite numerous requests for their removal. Additionally, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. Furthermore, I request compensation for the inconvenience, stress, and potential financial harm caused by the presence of these fraudulent items on my credit report. They have significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities necessary for my financial stability. Please help me remove these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

This is a follow up from a previous complaint ( XXXX ) filed onXX/XX/2023. I filed a complaint against another collection company and it was closed due to fraud. The alleged debt was obviously sold to a different another debt and they are trying to collect the same debt which is a fraudulent account. Please see attached letter. Furthermore, IC System is not an authorized debt collector for the state of XXXX per XXXX Therefore, I demand this illegitimate debt buyer cease further communication with me immediately. I also demand the alleged debt be removed from my credit reports immediately if it has been reported to the credit reporting agencies.
Consumer complaint received 2023-12-16
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. (MO)

Reached out to transunion, experian, and XXXX multiple times about my consumer report. All ( 3 ) major credit companies have refused to correct my consumer file and I am seeking to file small claims court against each credit bereau for mis handling my Fair Credit Reporting Act rights.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I've consistently made sure that payments on this account are made on time, never allowing them to fall behind. I'm uncertain why there are reports of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-04-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (GA)

From My Chase bank checking account I sent {$4000.00} to XXXX to be transferred to my bank account at XXXX in XXXX. After 5 days XXXX said they did not receive the transfer. I was told that it was better to cancel th transfer to XXXX. I cancelled it and waited for it to go back into my Chase account ( XXXX XXXX, XXXX XXXX, Georgia XXXX ). 

After week one I was told to call the transfer office online. While abroad I called an XXXX number to reach someone in XXXX. I explained the saturation and was told that they need to send the information to the back office. For another three weeks I called 5-6 times a week with no results. 

Almost two weeks ago I called my bank. After many days and many calls I was finally about to speak with a person at my bank. She made calls and did research and said there the transfer was only Just called back. She said there if it was not back on Monday over a week ago, then I should call back again. All week for one week I called the branch several times a day. Last Wednesday one of the bank employees answered the phone. He said to call the transfer line and asked me to hold. Phone cut off again. Once again for the test of the week and now this week calling XXXX time a day every day. Also sent an email to the bank manager several time. Finally I get an answer that I should ask the intermediary bank for the money back. I wrote back in an email that I do not have any information of the intermediary bank and I am asking them to follow up with contacting the back to get the money back, especially if they need more information. Now it is almost 8 weeks. still no answer or money back.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Since I contacted my credit card lenders and made arrangements to settle my credit card debt over a four-to-five-year period, the credit card companies have been reflecting in my credit report that they have written off 100 % of my credit card debt, without accounting for the settlement amounts that I have paid them. The attached complaint summary shows that I have paid an average settlement of 79.2 % of the credit card balances that were due when the accounts were closed. I have reduced my total credit card settlement balances from {$72000.00} to {$3000.00}, but this improvement in my credit worthiness is not being reflected in my credit score from the three major credit bureaus. 

Also, my mortgage payments are made each month by automatic bill pay from my bank. When the mortgage payment increases due to an increase in the escrow account, the credit bureau automatically logs the mortgage payment as late. The mortgage payment has been on time, because the escrow account can be analyzed and adjusted by the customer before it is due.
Consumer complaint received 2024-04-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (IL)

Mortgage XXXX Violations!!! Fair Debt Collection Practices Act Violation!!! 

1. NewRez/Shellpoint has reporting error for XX/XX/XXXX regarding payment status. 

XXXX. In XX/XX/XXXX, after reporting the error and submitting proof of the erroneous reporting, NewRez/Shellpoint withdrew a payment from my account for the month of XX/XX/XXXX without proof or notification. 

XXXX. Whenever I attempt to contact anyone, I am advised that the company is a debt collection company! 

In XX/XX/XXXX, I submitted a dispute with the credit reporting agencies regarding an erroneous late payment being reported for the month of XXXX XXXX. I attached proof stating that NewRez/Shellpoint did not accept payment, and therefore should not be reporting a 30 day late status for that period. 

After reporting the error, the company removed a payment for the month of XX/XX/XXXX from my account. I was advised after 5 months, it was discovered I did not pay the month of XXXX. Also, after review of the account, the payment that I made in XXXX was applied to the month of XXXX because I was behind a payment. 

This was done without notification. I was not provided any proof for removing the payment. This is an explicit mortgage servicing violation! I was made aware of the information on XX/XX/XXXX when calling to check the status of the correction. If I had not called in, my account would have fallen behind 30 days according to the changes that were made by personnel.
Consumer complaint received 2024-04-27
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC. (IL)

Ally Financial wrongfully raised my APR rating and i believe it had something to do with racial profiling and did not properly insure that credit acceptance was applied. They did not communicate and payment options to help come current with the car note or send a letter of repossession. They just took the vehicle.
Consumer complaint received 2024-04-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I called Bank of America ( BoA ) today regarding a XXXX XXXX monthly maintenance fee that has been charged to my account every month. I asked why I was being charged and how to avoid the charge. I was advised the checking account product, I think it's called XXXX XXXX XXXX that I have requires I maintain a {$20000.00} minimum daily balance. If my daily balance is less than that amount I get charged {$25.00} for that month. I was charged {$25.00} on XX/XX/XXXX and XX/XX/XXXX even though my daily balance was over {$20000.00}. Those 2 charges were refunded with no issue. 

It is rare I ever have more than a few XXXX dollars in my checking account. I don't remember or have any record of changing my 'banking product ' to agree to a XXXX XXXX monthly maintenance fee unless I keep a {$20000.00} daily balance. I have had the exact same checking account with BoA since XXXX. I don't think I have ever changed my 'banking product '. I asked for proof that I either signed something changing my 'banking product ' and agreed to these terms or that I was notified. The customer service representative was unable to provide this information and stated I've had this banking product since XXXX when I opened the account. 

I explained I rarely have a balance over {$20000.00} and if it was true that this is what I signed up for in XXXX I would have been charged {$25.00} a month nearly every month since XXXX. I have been charged {$25.00} a month since XX/XX/XXXX. I requested a refund for all the charges since XXXX. The customer service rep said the refund requests were denied and there was no way to escalate the issue or request. 

I want to also note that today when I was on the phone with the customer service rep they did change my 'banking product ' for my checking account to a new product called XXXX XXXXXXXX XXXX. This product will only charge me around a {$5.00} maintenance fee if my daily balance falls under {$500.00}.
Consumer complaint received 2024-09-19
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. (GA)

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 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 XXXXXXXX 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 2024-10-21
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. (CA)

Certified mail was received on XX/XX/year>. I reviewed my consumer report and noticed eight late payments on an account I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability, with maximum accuracy. I have never been late on payments for the account. Account Type : Auto Loan Creditors Name : XXXX XXXX XXXX XXXX XXXX : XXXX Date of Late Payment : XX/XX/year>, XX/XX/year>, XX/XX/year> Please investigate and provide proof with statements showing those payments were late. If proof can not be provided, I demand these payments be updated to on time as they should be, as I was never late. Thank you.
Consumer complaint received 2024-10-19
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. (TX)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-04-09
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. (PR)

On XX/XX/XXXX I contacted Equifax about the following negative accounts ; XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$210000.00} ), XXXX XXXX & XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$140000.00} ), XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$970.00} ), XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Credit Limit : {$100.00} ) XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$350.00} ), XXXX XXXX Account # : XXXX, Date XXXX : XX/XX/XXXX, Balance : {$28000.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX XXXX {$20000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.