davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-10
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (MA)

I recently got a Chase preferred credit card and received a pamphlet with their ostensible benefits. XXXX of these benefits was travel cancellation insurance. XXXX of the excluded conditions was " a pre-existing condition. '' When I called to find out how they defined that, they read me a definition over the phone. But when I asked that that be sent to me in writing they refused. This was the benefits administrator, who then advised me to call Chase directly. Chase also refused to send this information.
Consumer complaint received 2022-11-04
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. (NY)

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but Experian and XXXX are neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially, and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). 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. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2015 Balance : {$45000.00}
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION (FL)

Truist is repeatedly delaying the processing of my payments and is charging me late fees. 

All of my payments were sent via TD Bank Bill Pay and were scheduled to arrive prior to the payment due date. 

I have called Truist about this issue and to have the fees reversed. But to date, they have only reversed one {$27.00} fee. 

The following fees have been charged to my account. 

Truist charged me a {$27.00} late fee on XX/XX/XXXX ( XX/XX/XXXX statement ). 

Truist charged me a {$27.00} late fee on XX/XX/XXXX ( XX/XX/XXXX statement ). 

Truist charged me a {$38.00} late fee on XX/XX/XXXX ( XX/XX/XXXX statement ). 

Truist reversed XXXX {$27.00} late fee on XX/XX/XXXX ( XX/XX/XXXX statement ).
Consumer complaint received 2022-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NY)

Received previous emails and now I have received a letter from Transworld systems Inc. saying that I owe {$80.00} to XXXXXXXX. They have no record of the reference account number. I spoke to four different XXXX and finally consumer relations team told me that this is a scam and many people are getting these letters to just disregard it. 
Scam.
Consumer complaint received 2020-09-27
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. (MI)

On XX/XX/XXXX I sent Experian a letter asking for validation of an account on my file. The responded on XX/XX/XXXX that the account information was obtained by the court though a third party vendor, XXXX. After verifying with the court that they do not share such information with any credit agencies I sent Experian a follow up letter XX/XX/XXXX stating such and that they're falsely verifying information they're reporting on my credit and that if they can not validate the information that they delete it. XX/XX/XXXX Experian sent me an update that they verified this information, but they have no way of verifying it and have not produced anything to state otherwise. I called hem after receiving the letter to let them know they were not properly verifying information and that if they did not correct the error I would have to report them. They refused. They have done this a lot in not truly verifying my information just saying that it has been verified. Please assist in the matter.
Consumer complaint received 2020-08-05
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect CHAPTER XXXX BANKRUPTCY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XXXX XXXX {$27000.00} XXXXXXXX XXXX XXXX  XXXX {$7100.00} XXXX XXXX  XXXX {$680.00} XXXX XXXX {$320.00} XXXX XXXX XXXXXXXX {$3900.00}
Consumer complaint received 2020-08-05
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. (TX)

XXXX XXXX, XXXX XXXXXXXX XXXX  has reported incorrect account on my credit report. XXXX XXXXXXXX Account was removed but XXXX  unblocked my credit file and allowed XXXX XXXX to place the unauthorized account on my credit report as opened in my legal name. XXXX  claims they did a investigation and received signed contract from XXXX XXXX. This is not true and false information on my credit report. I have attached police report from the original accounts opened without my consent. XXXX refused to file my dispute and advised I contact CFPB. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2020, I sent TransUnion a letter disputing an account ( XXXX XXXX ) listed on my report with TransUnion, I believe to be inaccurate. Based on my certified mailing tracking record number XXXX they received the letter on XX/XX/2020. It is now XX/XX/2020 and I have received no response at all. By not replying in a timely manner to my initial letter TransUnion has not only violated federal law ( FCRA ) not responding within 30 days, but has also failed to provide me with a copy of any viable evidence showing the account is being reported accurately.
Consumer complaint received 2020-08-05
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Protection Association, L.P. (TX)

I am being repeatedly robo-called by the Credit Protection Association " on behalf of the XXXX XXXX XXXX  XXXX. '' I do not have any outstanding debt, as I have never had ANY debt, related to the XXXX XXXX XXXX XXXXXXXX. 

I have contacted the Credit Protection Association twice, which can not find any of my idenitifying information anywhere in their records -- -including my phone number, which continues to receive automated calls daily -- -and have been advised that because they can not find me/my phone # in their system/database, they can do nothing to stop the calls. 

Therefore, I have also contacted the XXXXXXXX XXXX XXXX XXXXXXXX directly, which confirmed that the Credit Protection Association is an in-house debt collection agency, and also confirmed that I am not in their database, and do not owe any amount -- -yet, they too claim to be powerless to stop the automated calls I am receiving daily.
Consumer complaint received 2024-06-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

Was scammed by user acting as friend, I believe their account was stolen. Issued a scam report with Cashapp almost a month ago and over the course of many interactions with their chat support they outright refuse to offer any information about the issue mo matter how many times it is asked.
Consumer complaint received 2022-11-04
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of account/item which do not belong to me or were opened without my permission. 
XXXX XXXX Date Opened : XX/XX/06 Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially, and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). 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. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2020-09-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (MI)

Caine & Weiner has place a derogatory remark on my credit report. They are collecting for : XXXX. I have no knowledge of this account and was never notified by mail or otherwise regarding this alleged account. I was never given the opportunity to either dispute or request validation of this debt, pursuant to the Fair Credit Reporting Act the Fair Credit Billing Act and the Fair Debt Collections Practices Act. Which is my legal right as a consumer
Consumer complaint received 2020-08-05
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX XXXX {$28000.00} XXXX XXXX   XXXX {$220.00}
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (OR)

I paid my American Express corporate card bill thinking it was necessary. Then, the company I worked for paid the same bill. Therefore, I have a balance of {$55.00}. The American Express card has since been cancelled but the balance is still there and tied to my name. 

I am unable to receive a refund and American Express customer service keeps referring me to a non-existent person  email address. 

I have already filed a complaint with the XXXX XXXX XXXX and my bank. 

I believe that American Express is engaging in fraud.
Consumer complaint received 2020-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Portfolio Recovery Associates continues to call my phone and my husband 's phone for an old credit card debt which belonged to his deceased father. The first time they called, I was very patient - I gave the last 4 of my husband 's social - which of course - did not match the account they were trying to collect. They also had the wrong birthday because it isn't my husband 's debt. 

The first caller then tried to switch gears - telling us even though the debt wasn't ours and the man it belonged to was no longer alive - we owed it because we are " next-of-kin. '' I had to laugh at that one and  tell him that he was flat out lying to us and to take our numbers off his list. Then a week later someone identifiing herself as XXXX XXXX called again with the same speech.
Consumer complaint received 2020-08-05
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. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$18000.00} XXXX XXXX {$2600.00} XXXX XXXX {$7100.00} XXXX XXXX {$1500.00} USDEPTED XXXX {$4300.00} USDEPED XXXX {$4000.00} XXXX XXXX {$290.00} XXXX XXXX {$100.00} XXXX   XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX XXXX {$4000.00} XXXX XXXX {$2600.00} XXXX XXXX {$1300.00} XXXX XXXX {$2600.00} XXXX XXXX {$2600.00}
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

Dear Ma'am/Sir, I am writing to follow up on my previous letters regarding the inaccurate and misleading accounts that are still present on my credit report. Despite my repeated attempts to bring this matter to your attention, these accounts continue to persist on my report, causing unnecessary confusion and potential damage to my credit score. 

The following accounts continue to appear on my credit history : 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  As previously mentioned, these accounts contain inaccurate information and do not match the criteria set by the Fair Credit Reporting Act ( FCRA ). I have requested a thorough review, highlighting the discrepancies and inaccuracies in various criteria. As per my understanding, when there is a failure to verify the validity of these accounts, they are required to be removed entirely from my credit report. 

Upon recent verification, it is evident that these accounts are still incongruent with each other. I am deeply concerned about the potential harm to my reputation with future creditors if these inaccuracies persist on my credit file. I have worked diligently to maintain a positive credit record, and I am apprehensive about facing issues in the future, particularly when venturing into new business endeavors. 

My question remains, how did the verification process conducted for these accounts? I believe that it is essential for me to understand the process you used to verify the accuracy of the information contained in my credit report. 

I kindly request that you expunge these inaccurate accounts from my credit report immediately. I desire to start fresh with a clean slate and avoid any potential issues that may arise due to these erroneous accounts. 

I appreciate your prompt attention to this matter and expect prompt resolution. 


Regards, XXXX XXXX
Consumer complaint received 2022-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC (IA)

I have received NUMEROUS ads in my email for a {$700.00} XXXX XXXX  card ... after they stated they only had {$300.00} limit cards... I spoke to someone who called after I sent an email to the CEO and she said I wasn't eligible and would take me off the list for emails ... .I continue to receive them even after I myself unsubscribed!