davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (OK)

I had service with them in XXXX but theyre reporting that I had it in XXXX and reported it again to my credit in XXXX. XXXX is the service for {$100.00}. I want this removed forever!
Consumer complaint received 2019-02-08
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (IL)

On XX/XX/2018 I received a phone call from Synchrony Bank, a major issuer of store credit cards to verify a new account being opened with XXXX XXXX. In XX/XX/2018, my identity was stolen and two bank accounts were opened in my name and credit cards were applied for, but luckily stopped during fraud checks. I promptly submitted short- and long-term credit alerts at all three bureaus. However, despite having these alerts, Synchrony Bank called me AFTER they opened the XXXX XXXX credit card in my name and allowed the individual with my information to make a purchase of around {$5000.00}. After speaking with a credit protection service that is provided to me free of charge through my employer, they confirmed that Synchrony Bank should have definitely NOT issued this account and should have verified with me through their fraud department first. I learned from this service that this practice is commonplace with Synchrony Bank, particular with some stores like XXXX XXXX that contract with the Synchrony to be the issuer of their store credit cards. 

After speaking with the Synchrony Bank fraud department, they closed the credit account and tagged the account as fraud. They did a short investigation and confirmed this account was opened fraudulently and noted that I was not responsible for the account or charges. Synchrony also stated they would submit letters to each credit bureau to remove the account and inquiries from my credit report. Shortly thereafter, I received two letters dated XX/XX/2018 confirming I was not liable, the account was closed and the credit bureaus were informed of the fraud. 

While this issue is not solved, I remain frustrated that XXXX XXXX and Sychrony Bank allowed this to happen in the first place. Protocol would have been to see the credit alert and not open the account without contacting me and verifying my identity and that I made the request. This issue has led to me spending a considerable amount of time speaking with Synchrony Bank and my credit protection service, as well as reviewing my credit reports, verifying my credit alerts and my overall financial picture. My credit score was affected by a number of inquiries Synchrony Bank made on my credit, and again, they flat out ignored the alerts.
Consumer complaint received 2019-12-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Office of Michael J. Scott, PC (TX)

Contacted by company on several occasions. Ive responded to every letter with specifics regarding the Identity theft, fraud, and police reporting. Now they threaten to sue. We will personally visit their office in XXXX and talk to XXXX himself if need be.
Consumer complaint received 2019-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
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 XX/XX/2019, I made a payment with Capital One. I was told the amount due was {$190.00} by the associate. I was then advised later that the amount due was {$190.00}. I was then reported as 30 days late. This was their error and they will not correct.
Consumer complaint received 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian On XX/XX/2019, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2019-12-18
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: Professional Debt Mediation, Inc. (FL)

This company ( Professional Debt ) has harassed me for years stating that I owe money to XXXX XXXX Apartments. I never lived in these apartments. I repeatedly told them this only to be treated disrespectfully and rudely. Over and over again. I am in the process of taking out a loan and this is showing on my credit report which is delaying my loan approval. I called and spoke to the owner of the company who told me that I do not owe this money but states that he can not give me a letter on letterhead stating that I do not owe this money because his company does not do this. The owner states that XXXX  put this on our credit report. Not him. He refuses to help in anyway to clear this fraudulent charge on my credit report.
Consumer complaint received 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  On XX/XX/2019, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-01-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (WA)

Hello, I have been receiving weekly calls from a debt collection agency ( ERC ) regarding a debt owed by my ex-wife. I do not know what the debt is, or how much, yet they somehow have my phone number on file and continually call me asking for her. I have spoken with agents at the company multiple times, yet this keeps occurring. I also block the phone number used to contact me, yet they are still able to get through using a different number. This seems like pretty shady tactics to me. The most recent call took place at XXXX Thursday, XX/XX/20. The phone number used was ( XXXX ) XXXX. I will list other numbers they have used recently below : ( XXXX ) XXXX ( XXXX ) XXXX Please help to resolve this issue - I in no way am responsible for this yet I keep getting harassed. And on a personal note, Im glad someone brings up my divorce on a weekly basis I so I can relive all of that again - not only is this bad business practice but frankly it is disrespectful and insulting that this business is choosing not to respect me and my time or personal life experiences. 

Thank You, XXXX XXXX
Consumer complaint received 2019-12-18
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. (TX)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Consumer complaint received 2019-12-18
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: EQUIFAX, INC. (TX)

I sent dispute letters for the inaccurate accounts to be removed from my credit report on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019. I am sick and tired of dealing with this inaccuracy. All I requested was physical proof which I know is the law per section 609 of the FCRA.
Consumer complaint received 2019-12-18
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: Experian Information Solutions Inc. (TX)

I sent dispute letters for the inaccurate accounts to be removed from my credit report on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019. I am sick and tired of dealing with this inaccuracy. All I requested was physical proof which I know is the law per section 609 of the FCRA.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (PA)

My name is XXXX XXXX my debit card ending in XXXX isnt working right right it keeping getting declined online and stuff my account number is XXXX and my online bank username is XXXX please also update my number on it to XXXX because the phone support wont help me fix my issue with my declined card or update my number please do both if you see any restrictions or blocks on the account please remove them please contact me at XXXX about complaint.
Consumer complaint received 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I put in my credit card information for the {$1.00} credit check from Transunion. I did not receive a report or any services, nor an email or text with a link to said services. 7 days later I was charged {$19.00} & immediately on the day the supposed trial period I did not know I had ran out. Instead of explaining what services they offer they cancelled said service & explained they have a no refund whatsoever policy. I have no documents to show other than my bank statement wherein the money was removed by them since they never text or emailed anything to me at all regarding anything. I searched my email & text history very thoroughly.
Consumer complaint received 2019-12-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

Ive been receiving these statements as of last year ( XX/XX/2018 ) & its stated that I owe {$780.00} to the University XXXX XXXX  medical office. Unfortunately Im not so sure that these would belong to me after my Social Security number was stolen.
Consumer complaint received 2021-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I was a victim of credit card fraud of about {$40000.00}. All documents were submitted to Bank of America on XX/XX/XXXX. Bank of America completed their investigation and sent me a letter dated XX/XX/XXXX that the investigation was complete and ruled in my favor. Within a few days all those charges appeared on my new credit card. Bank of America also allowed XXXX Unauthorized credit increase approvals on XX/XX/XXXX for {$38000.00} and in XX/XX/XXXX for {$48000.00}. At the time of initiating the fraudulent activity, Bank of America removed those charges temporarily to investigate. However, they did not carefully investigate the Credit Increase requests that predated the fraud. The last request they received to increase credit was XX/XX/XXXX for $ XXXX but this was declined. All this information is what I gathered from Bank of America Fraud representatives. Now they have reopened the case, they have connected with XXXX, where all the fraud occurred but are unable to remove the $ XXXX from my new Bank of America card, for which I had reduced the credit limit to $ XXXX once the fraud was discovered. So now it appears that I am $ XXXX above my credit limit. They said they couldn't move that money off temporarily but that they would report back to the 3 credit bureaus once this is all rectified and help to repair the credit score. All the transactions were made on a compromised XXXX account. XXXX completed their own investigation and concluded that nearly $ XXXX of charges were Unauthorized. I have attached a detailed letter with multiple specific references from both Bank of America and XXXX. The letter will also be faxed and mailed certified to Bank of America. I called them today, XX/XX/XXXX to let them know that I would also be reporting them to the CFPB since they have completely mishandled investigating this sizable case of fraud. Lastly, I have an excellent XXXX score over 25 years so this episode is entirely inconsistent with my track record and I fully expect Bank of America to resolve this quickly.
Consumer complaint received 2022-03-23
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. (PA)

I am a victim of identity theft and did not open these accounts. I ask that the items be deleted to correct my credit report. I have reported the theft of my identity to the Federal Trade Commission as well as the identity affidavit. I would like these accounts removed as soon as possible please
Consumer complaint received 2019-12-18
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 am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Consumer complaint received 2019-12-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (NV)

Negative Report Trident Asset Mngt ( XXXX  ) {$260.00} Opened : XX/XX/XXXX Purges : XX/XX/XXXX I never opened an account with XXXX. I have contacted this collection four times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and disputed the account with all credit agencies, to no avail.
Consumer complaint received 2024-02-21
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. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX  XXXX Balance : {$260.00} XXXX XXXXXXXX XXXX Balance : {$260.00}
Consumer complaint received 2019-12-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I sent dispute letters for the inaccurate accounts to be removed from my credit report on XX/XX/2019 and XX/XX/2019. However they never sent me documents to show me how they verified the accounts but per " 15 U.S.C. 1681g '' and it should have been deleted per Section 611 ( a ) ( 5 ) ( A ) ( i ). I also sent a letter with Section 609 ( a ) ( 1 ) ( A ) to show me the physical documents and they have not.
Consumer complaint received 2019-12-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

I had a mortgage with Chase. The loan number is XXXX XXXX XXXX XXXX. I refinanced my mortgage with XXXX. That loan number is XXXX. The closing file/escrow number is XXXX XXXX XXXX. At the time of the loan application, Chase had not paid my taxes for the upcoming year. XXXX asked me to pay the taxes at closing. As I did. Before the closing, Chase paid XXXX County, GA my current taxes. My property address is XXXX XXXX XXXX, XXXX, GA XXXX. The parcel ID is XXXX XXXX. XXXX has since transferred the servicing of the mortgage to XXXX XXXX. XXXX is not involved in this complaint. But, they are the current servicing company. Chase uses a third party company to pay the taxes to XXXX County. That Company is XXXX XXXX. On XXXX19 XXXX XXXX sent {$4500.00} to XXXX County to pay my current taxes. Shortly there after, XXXX through it's title company ( XXXX  ) paid the taxes directly to XXXX County. That payment was accepted by the County. XXXX XXXX makes a bulk payment to XXXX County for all it's customers taxes. XXXX County took the payment in from XXXX XXXX. They then sent the over payment back to XXXX XXXX on XXXX19 in the amount of {$4100.00}. They took the difference between what was pay by XXXX  ( {$4500.00} ) and what they wanted as taxes ( {$4900.00} ) and returned to XXXX XXXX {$4100.00}. I assume that XXXX XXXX has returned the {$4100.00} that I am due back to Chase, but I can not confirm that because I am not a customer of XXXX XXXX. I spoke to XXXX XXXX in the Chase tax department on XXXX19. I told her that I would give Chase until XXXX19 to refund to me the {$4100.00} that I am due as as refund of the over payment to XXXX County. I have not heard back from Chase.
Consumer complaint received 2022-01-20
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. (AL)

I am XXXX XXXX XXXX XXXX and I submitted this claim myself and no third party involved. I XXXX XXXX XXXX XXXX, XXXX Person and creditor. I submitted A FTC identity theft report to remove this fraudulent account XXXX. They received the FTC and told me it will be off on XXXX. But I checked my credit report. Seven 30 days later and it is still on my report. According the Fair Credit Reporting Act 15 U.S.C 1681 Section 602. A block was suppose to happen within 4 business days after the date of receipt.
Consumer complaint received 2021-08-30
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: EQUIFAX, INC. (IN)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2019-12-17
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)

I'm incurring a monthly Recurring charge on my Capital One cc. The first charge was on XX/XX/2019. I called Capital One and they sent me a new card. The charge still occurred again on the XX/XX/XXXX, the charge occurred again XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, During this period of time my credit card was changed 2-3 times, we spoke to XXXX and XXXX as the charge shown is from XXXX XXXX XXXX, a service I do not have. Both XXXX and XXXX confirmed I am not subscribed to XXXX XXXX  hence I should not be getting charged. I've told the credit card company on numerous occasions over the phone to put a stop payment on XXXX from charging me but they refuse