davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-16
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (GA)

This is the most recent letter I have sent to chase. They have rejected my dispute rwice now. I am v=being charged for a mattress that was returned and lost by XXXX. I am being charged for an adjustable base that never left the warehouse. 

I am writing again to dispute a billing error in the amount of $ XXXX my account. The amount is inaccurate becauseI purchased a mattress and adjustable bed. I received the mattress only. I am requesting documented proof from chase that I owe the amount from both the mattress that was returned and lost by XXXX and the adjustable bed that was never shipped to me. 
I was unhappy with the service as I could never get anyone to answer the phone to discuss when the adjustable base would be delivered. I finally spoke with XXXX who advised she would send a XXXX  label to return mattress. I returned mattress on XX/XX/21 tracking # XXXX. I filed a claim with this credit card company and I recently saw a recharge for the mattress and adjustable bed, stating that because XXXX lost the mattress and the company complained they never received it that I am still responsible for the payment of a mattress that was sent back and adjustable bed that never left the warehouse. I called XXXX today and they stated it was XXXX XXXX responsibility to file a claim with them and they would reimburse XXXX. I have reached out to XXXX via email and am awaiting a response. 
XXXX said they could do nothing for me since XXXX paid for return shipping. According to the FTC, I may withhold payment on the disputed amount ( and related charges ) during the investigation. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. I have sent several documents and emails including the tracking number supporting my position. Please investigate this matter further and correct the billing error as soon as possible. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-05-16
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. (TN)

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX ) and the Creditors ( XXXX XXXX XXXX, ( 2 ) XXXX XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I am writing to follow up my previous dispute about inaccurate late payments appearing on my credit report associated with my auto loan account. According to my records, there are late payment remarks. However, these late payments are XXXX and do not reflect the accurate payment history of my account.
Consumer complaint received 2021-05-16
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. (CA)

Transunion, XXXX and XXXX continue to report fraudulent info on my credit report. According to the FCRA i have the right to dispute incomplete and inaccurate information. i never gave consent to any consumer reporting agency to furnish my information. No consent by law is identity theft. According to usc 1681 ( b ) a consumer can only furnish something in accordance with the written instruction of the consumer to whom it relates. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX  XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX
Consumer complaint received 2021-05-16
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$9800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9800.00} -This is not my account.
Consumer complaint received 2022-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-05-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (WA)

I started working with a mortgage company : Cardinal Financial Company XXXX XXXX XXXXXXXX ) and its assigned loan originator, XXXX XXXX XXXX XXXX XXXXXXXX ) to re-finance ( cash-out ) my home equity. The process took XXXX  days now and still not closed. There were some bad faith dealing and handling of my file which also resulted in me paying an out-of-pocket appraisal fee which now serves no purpose, and prolong. There are also numerous violations of the law/statutes in my state by the company and loan originator. A detail of this process is written in the attached Declaration. Please review attached.
Consumer complaint received 2021-05-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

On XX/XX/2021 I called XXXX from the number on the back of my bill to inquire about the cost of cable. I spoke to a XXXX in customer service. I could not afford any of the quotes he gave me so he told me about XXXX XXXX that XXXX is in partnership with. They sell and bill for XXXX XXXX at {$65.00} per month. I said I would try it. He then said he would send me a link to set it up. I got the link and clicked on it. I hit a snag when it requested me to put in a code that they texted me. It did not work so I called the number on the setup page that said for technical assistance, call XXXX. A man answered the phone XXXX XXXX technical assistance, how may I help you. I told him what happened and he said he would walk me through the setup process. He said his name was XXXX and was located in Texas. He got the setup done and told me I had to send in {$1.00} activation fee ( which is stated on the website ) so I went into my bank account and as I started to ask where am I sending it to, I saw my bank account get wiped out during three consecutive withdrawals. I said hey where did my money go?, he was gone! After that, I got a text from my bank XXXX XXXX XXXX asking if I approved those three withdrawals, I pressed N for no and saw that it went to Y for yes. I pressed N again and again it went to Y. Then I got a text from my bank saying Hello, its XXXX Fraud Prevention, did you just use your card ending in # # # # for {$530.00} from XXXX XXXX? I told them I did not authorize the transaction and I then I received a text message that said It is important we talk to you. Call the number on the back of your card. I then called and put in a fraud report with XXXX. As of XX/XX/2021, I have not heard back from XXXX. On Friday XX/XX/2021 I went into the physical branch of XXXX to get a letter I needed. I was telling the man what happened and he called the Fraud Dept and they told him my claim had been denied because they said I had authorized the withdrawals. I sat in that bank and cried my eyes out as I was now out my entire savings and XXXX was not accepting my claim. My whole life savings was now gone. I am a senior citizen living on Social Security. I had just received my Social Security payment and that was gone also. I am now left with {$0.00} and can not pay my rent for the month of XXXX and can not pay my utilities or any other bills. I called every resource agency in my area to get rent help but have gotten nowhere there either. 

Note : I reported this scam to my local police department, XXXX, XXXX XXXX and XXXX through phone calls and emails.
Consumer complaint received 2021-05-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (KY)

on the date XXXX I sent a letter stating that this agency is in violation of 15 U.S.C 1692g. This agency fail to respond satisfactorily with deletion and to cease all collection activities of the accounts that are reporting on my credit report it has been over 45 days later and I have not received a response. I truly feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been well over 45 days so they should be deleted. I demand these accounts be deleted and to cease all collection activities immediately or I will file for litigation which I will be seeking {$3000.00} per violation for Defamation, Negligent Enablement of Identity Fraud and Violations of 15 U.S.C 1692g.
Consumer complaint received 2021-05-16
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. (DE)

I communicated that my identity was fraudulently used to open unauthorized accounts. They than proceeded to treat me as the perpetrator opposed to victim. Experian is very unresponsive and dont seem to care. Then when I get through, and I complete all their task as well as prove my address during time unauthorized accounts were open, still nothing happens. My disputes take over 45 days. Also, experian fails to verify account to consumer.
Consumer complaint received 2021-05-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc (CA)

On XX/XX/XXXX, Chicago Title company, in the process of maintaining and closing the escrow for a real estate transaction, tries to make the buyer pay for the " Owner 's title insurance ''. This insurance is clearly optional per CPFB. When the buyer asks the escrow to remove the owner 's title insurance, Chicago Title company threatens to over charge the consumer a " title search fee '' of XXXX, where the national average is around XXXX or slightly higher ( still < XXXX and when the buyer is paying for around XXXX for the lender 's title insurance policy already. This action / behavior is clearly out of the line, is unfair practice, and significantly in some sense forces the buyer to opt for buying the owner 's title insurance. 

Also, the title company calls buyer 's valid questions as " non sense '', and does not seem to remain neutral during the processing of the escrow. My spouse is infuriated when title company 's comments/emails were sent and viewed.
Consumer complaint received 2023-06-02
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. (OH)

The following accounts are not mine and need to be removed and deleted from my credit report. Acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX.
Consumer complaint received 2022-11-02
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. (NV)

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 XXXX 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 2021-05-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (GA)

I created an account with Gemini app on XX/XX/2021. A part of the process involves submission of a passport or drivers license to verify my ID. I submitted this information, deposited funds and bought some cryptocurrency. Gemini accepted my money, allowed me to purchase cryptocurrency but still has not verified my ID so I can not withdraw or transfer any funds or cryptocurrency and it has been almost two weeks. I emailed them but only got an auto email not addressing the issue but saying that they are back logged and to use their support services. 

Their support services do not fix the issue.
Consumer complaint received 2021-05-15
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Sir or Ma'am Capital One Case number XXXX./Case number XXXX {$47.00} Credit Card Company Capital One was was notified XX/XX/2021 via phone and fax that I did not start my business and cancelled coverage with XXXX XXXX. I provided notifications with copy of Policy Cancellation XXXX via fax number XXXX, disputing {$90.00} charge XX/XX/2021. 
I don't agree with XXXX XXXX allowing XXXX XXXX to continue to charge my new card last four XXXX. Also I did not provide new card number to XXXX Insurance. Capital One arbritarily still allowed XXXX XXXX to charge the new card. 
Capital One indicated they would place a merchant block for future transactions which they did not place a block. 
Thank you
Consumer complaint received 2022-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am a victim of identity thief. Ive submited a FTC report and a CFPB report over 30days ago. The law says FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency Its been past four business days clearly and conspicuously. I demand you block the folowing : 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 2021-05-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc. (PA)

Receivable management systems XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX I have been using a deck consolidating agency known as XXXX XXXX  to contact them via third party with all of my contact information to settle and absolve and eventually pay on this debt. Over the course of 3 months they have made no attempt to contact me but feel they can justifiably up the debt to which I owe which recently over the last two days has been an additional {$150.00}. Since they have not made any attempt to return any calls made on my behalf or by my own person I contacted XXXX to dispute the debt due to non-contact. They simply replied with they disagree and that was that.
Consumer complaint received 2021-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I sent letter of communication to Portfolio Recovery on behalf of a debt validation. I have never entered into any agreement with them. Be advised that I dispute the validity of the entire alleged debt that you are attempting to collect. Further, I requested verification of the alleged debt, specifically, I requested the following verification : ( 1 ) a copy of a contract or agreement that created the alleged debt that you are attempting to collect, ( 2 ) an itemization and accounting of all exact amounts that you are collecting for the total balance. I requested a copy of the contract and agreement between all parties showing wet signatures of all parties. They are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including reporting to consumer reporting agencies ( CRAs ). I am pretty sure they are aware, credit reporting is considered debt collection under the law. Of my knowledge, I discovered that as per the Fair Debt Collections Practices Act, it is illegal to collect money for something when you do not have any legal standing to collect that debt. After asking for the debt to be removed since as they can't prove debt validation of a contractual agreement with Portfolio Recovery XXXX. They are illegally trying to collect money from me, and they are hurting my livelihood by reporting fraudulent information on my credit report. They are breaking the law and I take this very seriously. According to the provisions of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies 15 U.S.C. 1681s-2 Reporting information with actual knowledge of errors. 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 2021-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MO)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

This a waste of time and a frivolous attempt to collect an UNVALLIDATED debt that I don't owe Covergent Outsourcing. 


This is the account numbers Listed in there Letter Client Account # XXXX Convergent Account # XXXX
Consumer complaint received 2021-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (NM)

I contact this company to find out that they are reporting against my credit for a check cashed with them from a company that Ive never worked for. Ive never cashed a check with them. They are still reporting against my credit and I want them to stop because it was not me.
Consumer complaint received 2022-11-02
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: Experian Information Solutions Inc. (VA)

In Accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights 15 U.S.C 1681 Section 602 A : states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states that a Consumer Reporting Agency can not furnish an account without my written instructions