davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (FL)

On XX/XX/2022 I satisfactorily completed my XXXX lease at the XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX 
1. On XX/XX/2022 I requested cancellation of my Residential utility services Georgia XXXX and notified XXXX XXXX who also manages the XXXX XXXX utility billings. 
2. On XX/XX/2022 I received the Final Move Out statement from XXXX XXXX, XXXX at XXXX XXXX Property XXXX. 
3. I personally questioned XXXX XXXX in the office regarding the additional {$270.00} payment due. XXXX statement was all Utilities are prorated and this is my final bill. 
4. XXXX stated that the final bill due was due of {$270.00} but only payable at the XXXX at XXXX XXXX XXXX. 
5. XXXX XXXX provided me copies of my Final Ledger which shows I owed the {$270.00} as of XX/XX/2022. In driving back to GA to speak directly with XXXX XXXX regarding the ledger, I clearly showed that I was being charged an additional {$130.00} for services now totaling ( {$410.00} ) when clearly, I was now longer under any contractual agreement with XXXX at XXXX XXXX from XX/XX/2022, and I do not owe for future nonuse of the apartment or residential services Im being charged for by XXXX XXXX that are listed on the ledger. 
6. XXXX XXXX agreed I didn't owe the additional {$130.00}. I had believed he corrected the error as we reviewed the ledger on his computer. 
7. XXXX XXXX stated I should wait for the final bill to be sent from XXXX as XXXX would collect the final payment. 
8. I moved back to Florida and never received the final bill from XXXX via email nor physical mail per my mail forward request. 
9. I reached out to XXXX XXXX for an update with no contact. I reached out to XXXX and was told the final bill payment for {$270.00} was to be paid directly to the XXXX XXXX XXXX XXXX. 
9. Payment was sent to the XXXX at XXXX XXXX XXXX via certified Mail in the amount of {$270.00} as final payments owed to XXXX at XXXX XXXX. 
10. I do not owe any debt to the XXXX XXXX XXXX, nor do I owe any debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX who has placed this fraudulent amount for {$410.00} as a collection account on my credit reports to attempt to collect on a debt not owed.
Consumer complaint received 2023-07-10
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)

It appears that my credit with you has been compromised. I was going through my records & noticed a file which does not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove this account which is found to be opened due to identity theft. The dispute item does not belong to me. Please remove this file. If you feel there is a possibility this account belongs to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX XXXX
Consumer complaint received 2023-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CO)

There was a fraud case on my Wells Fargo account where someone in California deposited a check of an absurd amount into my account and somehow withdrew it. There is clear evidence of the check being deposited in California as I live in Colorado, now the banking institution is harassing me for this money when there is clear evidence I was associated with any of the fraud transaction
Consumer complaint received 2023-05-04
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. (MI)

In accordance with the fair credit reporting act XXXX Account numbers listed below has violated my rights. 15 U.S.C 1681 Section 602 A. I have the rights 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 XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCE XXXX XXXXXXXX XXXX XXXX XXXX XXXX BALANCE XXXX XXXXXXXX XXXX XXXX XXXX BALANCE XXXX XXXX XXXX XXXX XXXXXXXX BALANCE XXXX
Consumer complaint received 2017-05-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NY)

I recieved a call from midland funding llp. The caller stated that they were located in  XXXX . The number used to call me was  XXXX . The caller stated that i owed {$800.00} for a  XXXX   XXXX  bank credit card. I told the caller to mail me a detailed letter of the debt. Caller stated that letters was sent to me. I explained to the caller that i have not recieved anything in the mail and to resend a detailed statement letter in which this caller refused.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (GA)

On XX/XX/2023 I reached out to Barclay Credit Card to request a reprint of a letter they sent to me verifying that my account is no longer reporting delinquent status from XXXX and XXXX of 2023. I spoke to a representative named XXXX and she said that it is their policy that they can not reprint and resend these letters but verified that my account is not reporting late however it is still reporting late. I need the letter as proof to show to the credit bureaus that the account status needs to be updated but Barclay will not resend me the letter, yet they are still reporting inaccurate information.
Consumer complaint received 2017-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In a recent disput e. Trans Union stat ed the account were verified. how is this possible?   When the account was purchased by another lender. Which means the original creditor has not legal right to verify anything. What was your Method of verification?
Consumer complaint received 2023-08-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (NM)

THE CAINE & WEINER COLLECTION COMPANY, HAS REPORTED ON MY CREDIT IN ACURED INFORMATION, AND I SEND THEM A LETTERS ASKING FOR MORE INFORMATION ON THIS ACCOUNT, THEY HAS IGNORE MY REQUEST, THEY HAVE LISTED A XXXX XXXX CAR, THAT I HAVE NEVER OWNED, I AM REQUESTING THE COLLECTION TO BE REMOVE FROM MY CREDIT, OR THEY CAN RUN A REPORT ON THE ( XXXX XXXX XXXX ) THAT IS LISTING WITH THE COLLECTION COMPANY, AND SEE WHO REALLY OWED THIS VEHICLE.

I NEED HELP WITH THIS COLLECTION DO TO LOCK OF INFORMATION, AND COMMUNICATION FROM CAINE & WAIVER
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (VA)

Looking at my credit report on XX/XX/23 and there was a hard inquiry to Chase bank/ JPMCB card service. I called them the same day and they were able to reject the application under my name and information and the following day ( XX/XX/23 ) there were another 2 applications to the same company under false pretenses. I called them again and they were able to reject those two as well. I have also since called the three credit Bureau and was able to freeze all three of my accounts. No money was taken that I am aware of at this point.
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (IL)

Chime Bank, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Dear Chime Bank, I am writing to formally dispute several unauthorized transactions that have appeared on my Chime account that I have addressed with a previous dispute with you back on XX/XX/year>. Below are a list of the transactions in question along with relevant details such as transaction dates, amount, and any other pertinent information that I requested verification on which you have failed to provide to me within 10 business days from XX/XX/year>. 

XXXX XXXX : XXXX. Date : XX/XX/year> XXXX & XXXX Amount : {$1000.00} & {$1200.00} Description : XXXX  XXXX XXXX XXXX. Date : XX/XX/year> XXXX Amount : XXXX Description : XXXX I have previously reviewed my bank statements from XXXX XXXX thoroughly and have concluded that none of these transactions were authorized by me nor was I ever in possession of my debit card at these times or dates. Per the Electronic Funds Transfer Act ( EFTA ), I am entitled to a prompt investigation and resolution of this matter. I am requesting that CHIME BANK conduct a proper investigation into these unauthorized transactions and provide me with a full refund of the disputed amounts. Additionally, I expect reimbursement for any associated fees or charges or charges incurred as a result of these unauthorized transactions. I understand that under Regulation E of the Electronic Funds Transfer Act, CHIME BANK is required to provisionally credit my account within 10 business days of receiving my dispute, pending the outcome of the investigation. Failure to comply with these regulations may result in further action, including but not limited to filing a lawsuit. Please acknowledge receipt of this dispute letter within 5 business days and provide me with a timeline for the investigation process by mail only. I would like to be reached by mail only at XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX IL XXXX to discuss this matter along with an update through the CFPB. Thank you for your prompt attention in regards to this concerning matter. I trust that CHIME BANK will resolve this dispute in a timely manner and in accordance with the applicable regulations.
Consumer complaint received 2024-06-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

General complaint about all Synchrony credit cards that will be charging a {$1.00} fee for paper statements. This is not fair. Should give the customer the option to get paper statements without charging a fee. I have several Synchrony credit cards with various companies. I prefer paper statements. I find it awkward and time consuming get my statements electronically. Have to sign into account and then print it out.
Consumer complaint received 2023-08-18
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the Fair Credit Reporting act ( XXXX XXXX ) Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my 94 written instructions 15 U.S.C 1666B : A creditor may not treat payment on a credit account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Resurgent Capital Services L.P. (CA)

resurgent capital services sent me only a summary of debt. I requested from them according to the FCRA section 609 the original documentation with my signature on it about the negative item which was reported on my credit report. They must delete this item by law.
Consumer complaint received 2023-01-03
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: Experian Information Solutions Inc. (GA)

When applying for a line of credit through XXXX XXXXXXXX XXXX XXXX XXXX XXXX was reportedly declined because of the following : -High average credit limit or loan amount on revolving/real property trades or credit balance to limit ratio on revolving trades -Low level of authentication indicative of first party fraud or ID fraud -Recently opened revolving trade or limited history on revolving trade The report also said my behavioral risk score was XXXX as of XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX assuming because of the previous list. 

None of this sounds familiar to me. I received this information in a notice mailed to me later after the initial application. 

I was also unable to create certain accounts being told that my information doesnt match/lineup when attempting to check into this using sites such as XXXX XXXX etc I have been trying to get in touch with XXXX  or XXXX, but every time I do, I either get put on hold forover, theyre closed, or I get told I need to have an account for them to actually help me with anything.
Consumer complaint received 2017-08-16
Product: Credit reporting, credit repair services, 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. (NC)

On XX/XX/XXXX I initiated an online dispute to Equifax regarding XXXX unauthorized inquiries on my credit report. On XX/XX/XXXX I  received an email from Equifax stating all inquires came back as factual record ( 5 day investigation ). I called Equifax on XX/XX/XXXX around XXXX XXXX and spoke to a rep by the name of XXXX and requested he send me the documentation they have ( from each company ) showing I authorized all of these companies to pull my credit report. XXXX stated " they do n't have any documentation '', he stated the companies are not required to provide that information and for me to call the company. I advised XXXX that the CB is responsible for making sure all things are factual before reporting. I requested to speak with a manager and  was transferred to another gentlemen by the name of XXXX. I explained to XXXX that I am now requesting documentation they used to confirm I authorized theses companies to pull my credit report. XXXX stated they can go by word of mouth from these companies. So that means anyone who has my social security number can try and obtain credit!? XXXX also stated that the companies who pulled my credit for inquires are " members of Equifax '' so they tend to believe what ever info they provide. I requested ( on a recorded line ) that they submit what information they had to states the inquires were factual and neither party was able to provide that information. XXXX just stated he would document the call. I have XXXX inquires that I did not authorize and would like them deleted
Consumer complaint received 2020-02-08
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: EQUIFAX, INC. (MO)

In 2014 i was a victim of identity theft and this was reported to the credit reporting agencies as well as other creditors. However, this account XXXX XXXX was removed from my report but somehow reinserted a year later without warning nor proof of their Method of Verification when it comes to this particular account. I'm demanding that the credit reporting agencies block and remove this account ( 1 ) XXXX XXXX, or provide me with signed documentation of my persons or a contract consenting to the above matter. If this request can not be met then you the credit bureaus should delete account immediately.
Consumer complaint received 2024-09-21
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: LEXISNEXIS (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.

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 informationisinaccurate.
Consumer complaint received 2023-08-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I deposited money from one Wells Fago account into another and it was fraud. I had no idea that this was a scam. I have requested the return of my money as it went from one WellsFargo account to another. the amounts XXXX XXXX, XXXX, XXXX I really feel Wellsfargo can track this money down and get it back as it was in there bank. I hope that you can help me with this situation. 

Regards, XXXX XXXX
Consumer complaint received 2023-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

XXXX XXXX XXXX has not provided validation of debt as requested. I also never signed a legal contract with XXXX XXXX XXXX, nor did I give them permission to purchase my account information. Failure to provide me with validation of debt is illegal. The original creditor wrote the debt off and received a tax credit. I have requested a 1099c on multiple occasions as well as validity of the alleged debt and have received nothing but cold texting, and harassment.
Consumer complaint received 2023-08-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (NY)

Buy now, pay later payment for one expense - Affirm did not make reporting of any good standing loans to credit bureaus a part of the initial agreement. Agreement stated that late payments and defaults may be reported, but there are no late payments. Company reported payment as an open installment loan account on XXXX credit report, negatively affecting credit score and credit worthiness. Company refused to rectify issue. I've used Affirm 8 times previously, with no reporting to credit bureaus. Agreement and loan reporting practices are intentionally deceptive and harmful.
Consumer complaint received 2023-08-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NM)

XX/XX/2023 - Cash.app. I sent {$300.00} to purchase organic food. I was provided a tracking number. The product never arrived. The tracking number was fake. The seller admitted after I pushed him that it was a scam or a fraud. That he never intended to ship anything. I have reported the scam to cash.app. They do not have a way to received documents. They will not refund me.
Consumer complaint received 2024-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Atlanticus Services Corporation (IN)

I received an unsolicited credit card from FORTIVA Credit Card. I immediately shredded the card. I never activated the card. Now I am receiving statements with an annual fee and interest charges because I haven't paid it. 

I called them XXXX  about this. I ask them to fix the problem. I did get an email that the account had been closed. I asked them how they could close an account that was never opened. The next time I called them I was told they would send me a statement with a {$0.00} balance. That has never happened because I'm getting new statements with the annual fee and interest. 

This is a scam and fraudulent. I don't know what else to do. I honestly never activated the card and don't know how I could have activated it since the card was shredded along with the correspondence they included. 

Please help me with this.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (AZ)

I applied online to open a new Chase Bank checking account around XXXX XXXX XXXX and was denied per the message on their online portal. The bank did not send a denial letter with any information regarding their decision or the reporting agency they used to obtain my information.
Consumer complaint received 2016-02-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: High Point Asset Inc (MN)

An entity with phone number XXXX keeps calling my cell number XXXX. They call for " XXXX XXXX '' ( sp? ). 
I do not know any " XXXX XXXX '' and I have told that to the caller many times. I ask them to stop calling. They say they will stop calling, but keep doing so. I have had this cell number for many years. 
I wish them to stop calling.
Consumer complaint received 2017-08-16
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc. (WA)

Hello! I have an account that was sent to collections at XXXX XXXX. Unfortunately, they are in violation of the FDCPA for a couple of reasons. First and foremost, it is my understanding that I am entitled to a written notification within 5 days of first contact from the collector of the amount of the debt as well as my right to dispute. I have not received that information. I verified via telephone that they have my current mailing address. I was also not informed over the phone of my right to dispute. They are also guilty of repeated phone calls. I received the first call on the XXXX on my cell phone. They immediately called me at work ( completely unacceptable!! ). I told them I would speak with them at a later time, when I could deal with the situation. I have clinically diagnosed XXXX, so I very much need some time to deal with difficult matters. They then called me again a few days later, against my instruction. I finally blocked the phone number for my own peace of mind, so I am unaware if they have tried to communicate further.