davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

I went on XXXX  to check my credit score and notice that I have 4 credit accounts open in my name that I have never seen. I have disputed them multiple times stating my case. They are very old but I have always been told they are valid. Today I got statements in mail to prove valid. I have never ever received statements in the past before. Which explains, I am getting a divorce now and my husband is not here to get the mail anymore after all these years. Now I can get everything that is forwarded.i can not prove the past but with my word. I wouldn't be going to this extent of proving myself if I were lying. I am trying hard to get myself a place for me and my XXXX  and thought my credit was good but these disputed credit cards are holding me up and making me live with my parents until it is resolved. So please let 's get this resolved. I have to do this with 4 other cards too. So I will be back on here 4 more times. I did not know about these cards. The mail might have been mailed out to my address but I never received the statements in my hands.
Consumer complaint received 2021-07-31
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. (TX)

I just got an alert of an account that has shown up on my credit report that is not mine. Please remove the account information off my account immediately. 
Here 's the information - Account Number : XXXX XXXX XXXX XXXX XXXX Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX Account Balance : {$1300.00}
Consumer complaint received 2021-07-31
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: South Mississippi Collection Services Inc. (MS)

on XX/XX/2021, i reponded to south mississippi collection services, inc with letters for some alleged debts of XXXX, and XXXX that i do not owe nor have relations with and i asking for assistance in resolving this matter.They have neither responded with me since i sent the letter off by certified mail with return receipt tracking # XXXX and i have attacked a copy for my record.
Consumer complaint received 2024-03-25
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: EQUIFAX, INC. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2021-07-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

This is my Third complaint : please reference XXXX & XXXX. 

Chase closed my checking account because of failure to validate the validity of 2 out of 3 checks Deposited.

I was told by Chase support that the Issuer of the checks needs to place a stop payment. I am being told by XXXX XXXX  & XXXX XXXX XXXX XXXX that they can not place a stop payment on a check for which the funds have been transferred. The checks cleared the issuing bank so i am being told its out of there hands. 

This nightmare started in XXXX. I have not been able to get any help from chase. 
I wait for 20/30 mins every time i call the support number only to be told the same Information. I walked into a chase branch and was told by the branch manager that this is a common occurrence and I should save my self the time and aggravation and consider it a loss and move On. 

I am suffering considerably as this Drags on. I was late with my rent for XXXX, I used my XXXX checks to catch up with my rent. Tomorrow is XXXX and i dont have my rent money at all. I will be fined XXXX dollars for everyday it is late after the first 5 days. 
I may not be able to pay my rent until the third week of XXXX which means i will have to pay an extra XXXX dollars. I have put XXXX XXXX  i had planned on hold because now that i lost what inessentially totals 3 weeks of my labor things are just going down hill. I am being charged late fee, My credit score is going to be effected.

i have not made my child support payments, If i am more then 90 days in the rears they may suspend my drivers license if that happens i will lose my Job.

I dont know what else to do or to say. I desperately need assistant in having my money returned to me. Chase is ruining my Life and the worse part is Chase does this with impunity to Thousands of middle class and poor people. There are stories online about chase doing the same thing. The branch manager i spoke to admitted he has people come in on a regular basis and all he can do is refer them to the same support number that does not help at all. 

Please i know XXXX dollars is not a large sum of money but i need it so terribly bad. 
I didnt realize how quickly things spiral out of control. I have heard stories of 1 emergency destroying a persons life because of a small debt. Now im living it and i cant find anyone to help me.
Consumer complaint received 2021-08-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (MN)

Somebody used my name with a XXXX XXXX joint line of credit for {$10000.00} in XX/XX/XXXX California Wells Fargo branch. I was in Idaho and have never heard of this person. Wells Fargo has the wrong address and no valid ID for me for the account just my social. In XX/XX/XXXX I took out a line of credit of {$10000.00} 3 weeks prior with XXXX that I paid off in full. I didnt know the other existed until it went into collections when I disputed it as fraud and Wells Fargo said they couldnt prove if it was fraud or not and werent going to do anything but write it off. And apparently according to the irs writing it off means that they can come after me for that debt even though its fraud. I duno what to do it was identity theft so I duno if I should report it to the police since theyre going to be coming after me for that money. This was almost 9 years ago and I was just told 3 days ago by two IRS agents that they will be coming after me for this money despite it being fraud. I never opened any line of credit in California, someone named XXXX XXXX XXXX did and my name was on it as a joint account. I dont know what to do and Wells Fargo isnt helping me with this situation despite it being fraud.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is XXXX 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 2021-08-01
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)

I became aware of a ding on my credit report while filling out paperwork to refi my home. XXXX XXXX turned me over to XXXX XXXX XXXX for {$1100.00} in unpaid charges. Account under same name, XXXX XXXX but living in XXXX XXXX, NV. I have never lived in XXXX XXXX but have lived at XXXX XXXX XXXX, XXXX XXXX, CA for XXXX years.
Consumer complaint received 2021-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (MO)

Comenity Capitol Bank has a defaulted account in my name for a Forever 21 store card I never opened. I had identity theft issues during the XXXX  breach a few years back. I disputed many accounts that came up in my name but have had a lot of trouble with this particular one. Ive disputed many times and other. Credit collection companies just pick it up again
Consumer complaint received 2021-07-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CITIBANK, N.A. (TN)

CITI sent me an statement for a alleged debt. I am CONSUMER pursuant to Title 12 u.s.c 5481 ( 4 ), NATURAL PERSON pursuant to Title 15 USC 1602i, & ORIGINAL CREDITOR Pursuant to Title 15 USC 1602g. Im the Original creditor granting the CITI the right to credit Pursuant to Title 15 u.s.c 1602f ( the term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment ). No comparable cash transactions in this consumer credit transaction. I do not verify or validated the alleged debt pursuant to Title 15 USC 1692g ( c ). CITI VIOLATED Title 15 USC 1692e ( 11 ) communication failed to contain the mini-Miranda warning This is an attempt to collect debt ... communication is from a debt collector CITI is a Debt Collector Under TILA & FDCPA.

CITI VIOLATED Title 15 USC 1692g ( a ) ( 3 ) Must state right to dispute within 30 days CITI VIOLATED Title 15 USC 1692g ( a ) ( 4 ) Must state right to have verification/judgement mailed to CONSUMER CITI VIOLATED Title 15 USC 1692e ( 2 ) Character, amount. Or legal status of the alleged debt
Consumer complaint received 2021-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY (IL)

Used my Serve card as a deposit for a hotel room on XX/XX/2021. 
As of XX/XX/2021 {$57.00} is still on hold. 
Hotel released deposit on XXXX XXXX.
Consumer complaint received 2021-08-01
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. (FL)

This is a response to the initial complaint # XXXX-XXXX  and I'm very frustrated by the lack of transparency and of the reporting bureaus understanding of fixing this problem. I've articulated exactly the problem yet as in XXXX, they did not even address the issues of the complaint, XXXX  ignored the fact that all the debt was previously paid off in full, yet still just because they used a 3rd party to verify the BK on the public record, and completely ignored the facts and the law in not removing this negative mark from my report. There own report states it will stay on the report for up to 10 years if the debt was NOT paid. I don't know how many times I need to say, in this instance and case, ALL the debt was paid in full, thus should not have to be listed on the bureaus for 10 years and should be removed. I also provided Court Orders that directed the Bureaus to remove that information and they still ignored that. I'm at a loss as it appears the Bureaus are only using a computer model that says if you file BK, it must stay on your record for 10 years regardless of the actual circumstances and facts. The Bureaus are NOT following the FCRA rules and are complicit in violating my fair credit rights, and they should be sanctioned and fined, until they resolve and remove this violation. Please refer to the attachments to the original report and Judicial Orders.
Consumer complaint received 2021-08-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia (VA)

They are attempting to collect debt starting from XXXX. They total amount they are trying to collect is {$4000.00}. They have contacted me several times and originally the alleged debt started at {$700.00}. Now it is over {$4000.00}. I asked them to very fit the debt and all they sent was a two page paper with the alleged total amounts owed. I was on Medicaid and Medicaid does not charge a copay ( since 2016 ) and they inisist that I owe medical bills.
Consumer complaint received 2021-08-01
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)

Transunion is reporting a loan that was paid off with XXXX XXXX as a foreclosure. I have disputed the remark in my credit report 3 times both with Transunion and with the lender and they continue to fault each other for the mistake. In the three occasions, Transunion has removed the foreclosure remark only to reappear few days later. I have revisited with the lender each time and they continue to say that they are reporting the account correctly. Looks like I am trap in a vicious circle where the end result is that I get stuck with a " foreclosure remark '' that never occurred. On the opposite, the loan is paid off and I already received the deed of the property free of any liens.
Consumer complaint received 2021-07-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (CA)

On XX/XX/2021 I was a victim of a Phishing scam text which I have reported to my phone service banking institution as well as my local police department. 

The scammers were able to access my Coinbase account and purchase XXXX dollars worth of XXXX coin which I or my bank had not authorized due to unavailable funds in my bank account. 

However Coinbase pay the scammers through 5 transactions a total of XXXX dollars to an undisclosed wallet. I have been on Coinbase website to resolve the issue however with no avail. Coinbase seized my crypto portfolio I had stores on their exchange in repayment for the money they released to the scammer since my banking institution refused the transaction and they have locked me out of my access to my remaining assets. 

I have a current police report and investigation ongoing along with my phone service claiming I was part of a scam.. 

Please help me if you can!
Consumer complaint received 2021-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is an inquiry on my credit report from XXXX. on XX/XX/2021. I did not apply for any credit and. would like this removed. I have been a victim of stalking and doxxing. 

XXXX XXXX
Consumer complaint received 2021-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

i recently check my credit report on XX/XX/2021 and notice that the CRA 'S ( XXXX, EQUIFAX, AND XXXX  ) are reporting incomplete and inaccurate information on my credit report and have not verified the items nor sent me the information that i requested.i sent some more letters off on XXXX XXXX and haven't gotten anything that i requested.i use USPS certified mail on both occassion.XXXX ( XX/XX/2021 ) # XXXX XXXX XXXX XXXX XXXX ; EQUIFAX XXXX XXXX XXXX XXXX XXXX ; XXXX  # XXXX XXXX XXXX XXXX XXXX EQ XX/XX/XXXX-XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-31
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. (GA)

I went to my bank to apply for a credit card and was denied. I went home and signed up for one of those credit reporting company and I see accounts on my credit that I dont know nothing about XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I reached out to the FTC and the police. I really need some help im doing this by myself.
Consumer complaint received 2021-07-30
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: FORD MOTOR CREDIT CO. (TX)

In the month of XX/XX/XXXX, my auto loan was reported to have one 30 day late payment to all credit bureaus. This is not valid as the account has been in excellent standing since XXXX. I reached out to the lender and they advised they would correct this before the next reporting date in XXXX, as it was a banking error. I reviewed my credit report today on XX/XX/XXXX and could see the issue has not been resolved and my credit is being affected thus preventing a refinance on my home to provide for my family. This is causing dire stress on myself and I need your help to rectify this matter immediately. My payment for XX/XX/XXXX has reported on time and the creditor is not responding anymore to my written letters and when we call, I am always placed on hold and the call gets disconnected. I pay roughly {$1200.00} a month for my auto loan so this is a surprise. My husband submitted a complaint yesterday with the CFPB and since we are joint on the account, it is also affecting my credit because of their banking error reporting methods.
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

Inaccurate Item : XXXX XXXX  I am becoming more and more frustrated with your company. Upon finding these errors being reported on my credit report I have taken the necessary steps in order to inform you all of the errors. Nevertheless you all are not doing your part to resolve my issues. My family and I are becoming very impatient. My attorney told me to send this letter in order to alert you all of these errors before taking legal action. I am a person that goes to work everyday in order to make sure my family have equal opportunities just like everyone else. I am a consumer that refuses to be a victim of harassment or abuse. According to 15 USC 1692d 1. ( 1 ) the use or threat of violence or other criminal means to harm the physical person, REPUTATION, or property of any person ; is a violation of the Fair Debt Collection Practice Act. Reporting false information on someone's credit report is detrimental to a consumer 's reputation. Sending letters an a attempt to collect debt from a consumer who debts do not belong to is also a form of harassment which is another violation of 15 USC 162d 1. ( 1 ) Constantly sending mail that has symbols of a debt collector on the outside of letter is a violation of the use or THREAT OF VIOLENCE or other criminal means to harm the physical person, reputation, or property of any person ; is an violation of the Fair Debt Collection Practice Act. Also according to 15 USC 1681 ( A ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and GENERAL REPUTATION OF CONSUMERS. You can review my credit report as evidence to see that my reputation in fact has been ruined. This section clearly says that a consumer 's credit report was established to identify a GENERAL REPUTATION OF CONSUMERS. Also, I stated before I was a victim of the XXXX Data Breach.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 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 2021-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Amsher Collection Services, Inc. (AL)

Amsher collection company for XXXX XXXX XXXX. I have had and kept insurance that pays my hospital bills. Year XXXX I had 2 insurance that pay medical bills. Collection disputed removed but disputed allowed back on credit report without reaching out to me. Removed XXXX put back on account XX/XX/XXXX In addition in past2 years sought to resolve collection which okayed and clears through XXXX but collection company has kept account despite the fact. I have 2 primary physician at XXXX. That I see every 3 to 6 month.,, Co pay are paid at the time visit .Never able to get full explanation over billing mostly for routine visit .I am disputing neg reporting amsher collection
Consumer complaint received 2021-04-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I went to Chase to open a savings account and deposit a cashiers check. The banker there asked me to set up direct deposit with my Social Security benefits and I declined. I said that I wanted to see how my account works and then decide months from now if I want to set up direct deposit. Im elderly and take time to communicate what I want. However the XXXX was very pushy and asked a lot of questions. I instructed the banker to give me paper statements and that I dont do anything online. The banker provided me with one piece of paper ... and a packet of disclosures. 

Once I returned home, I noticed that I wasnt given my account number or any information on my new savings account. A week later, I received notice from SSA saying that my Direct Deposit had been changed. 

I went back to Chase because I was upset that the banker didnt provide me my account information and had also went ahead and somehow set up direct deposit without my consent. I complained to the XXXX but she didnt seem to take my complaint as a complaint and sent me on my way after waiting for an hour to meet her. 

Later that day XXXX went back into looking at the paper I was given and noticed that the account information I was provided were for old accounts that had been closed. So I returned to the bank the next day ... waited again ... spoke to XXXX more people and finally received my account information. 

I feel that I wasnt treated well, I would say I was taken advantage of, and dont feel my information is safe at chase. Supposedly theyre going to investigate the original transaction, however I dont believe theyll actually do anything. This is definitely elder abuse and chasing sales.