davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-24
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: JPMORGAN CHASE & CO. (MN)

I disputed a charge on my account with Chase or {$34.00} because the seller said they were going to refund me. The seller would not tell me when I was to be refunded. I kept asking and the seller would dodge the questions. Because it felt like a scam, I disputed the charge. The seller has no indicated that the charge has been refunded. I do not see it on my credit card. However, if the seller refunded my credit card, I want the disputed canceled. I am not looking to win a dispute when I get refunded. 
I would have provided this information on the website but they don't have a good way of contacting the disputes department at Chase and the best way to have my interaction documented is to go through CFPB.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

All items that were found to be unauthorized, including the fraudulent inquiries from XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  XXXX XXXX  XXXX.
Consumer complaint received 2020-09-24
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: Resurgent Capital Services L.P. (TX)

Hi, This company LVNV Funding LLC continues to report to all 3 credit bureaus that they state that I owe. I have sent several certified letters to this company asking that they remove this collection from all 3 of my credit reports immediately. They continue to refuse to do so. They sent me a letter stating that they verified these debts aa being accurate and that I know is not correct. I have asked LVNV Funding LLC to send me validation of these debts bearing my signature and they have not provided that. instead they sent my a computer generated report of some charges that were allegedly made by me, this is not correct and I want these collections removed immediately. Please note As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I have formally requested a copy of any documents, bearing my sig- nature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I have made several goodwill attempt to have you clear up this matter. The listed items is inaccurate and incomplete and represents a very serious error in your reporting. The reported errors are with LVNV Funding LLC 1. ) {$1000.00}, shows opened on XX/XX/XXXX, 2. ) {$670.00} shows opened on XX/XX/XXXX, XXXX. ) {$4800.00} shows opened on XX/XX/XXXX, and 4. ) {$430.00} shoes opened on XX/XX/XXXX I am the victim of Identity Theft, that reference and report ID number is XXXX and my police report case number is filed with XXXX XXXX that case # is XXXX I am asking again to have all 3 of these charged deleted from my credit reports immediately.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

Per the 1974 privacy Act it concerned me that I had to dispute several time to have my personal information updated to my current address and phone number ; XXXX, XXXX, and Experian violated my privacy by revealing several addresses, phone numbers, and inquiries ; More importantly, XXXX has not corrected the issue concerning my personal information. Furthermore, I believe this is willful negligence on behalf of each reporting agency!! In addition, I'm afraid my personal information could have be open to Identity theft.
Consumer complaint received 2023-05-08
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. (IL)

On XX/XX/2023, I sent a letter asking to fully validate the reported information and remove anything form my credit report that they couldn't provide a signed, original contract for that correlates each account in question. My credit report was updated, and it stated that the account was correct, and it met FCRA requirements. No original contract was provided to me, and I believed there were illegal collection fees not agreed to with the original merchant of the account reported. 

On XX/XX/2023, a second letter was sent requesting again to provide an original contract for the items that I previously disputed that were listed in the letter. I had reason to believe they have illegal collection fees not explicitly agreed to or expressed in my original contract with the original merchant. 
Again, they have reported that accounts met the FCRA 609 and 611 provisions with no proof or original contracts. 

Upon this request for removal, the credit bureau failed to fully verify/validate the items listed in the mailed dispute letter by locating the original contract and/or other documents that validate the given items, within 30 days.
Consumer complaint received 2023-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

This is in response to their response. Which was they are researching and will advise as soon as possible. Which is what they told me almost 4 months ago. In the mean time I am still required to pay higher payment. I feel like this is their response to keep delaying it. It doesnt take 4 months to come up with an answer
Consumer complaint received 2019-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

In XX/XX/2018 I instructed Citizens Bank to make an electronic payment using the Citizens Bank mobile banking app. The payment was for {$3100.00} and was to be sent to XXXX XXXX as the payment processing bank for my XXXX MasterCard which had been opened in XX/XX/2018. The payment of {$3100.00} was the full amount of the statement balance and my instructions to Citizens was this electronic payment was the be sent on XX/XX/2018 to in time to meet the payment due date of XX/XX/2018. By reviewing my bank transactions on-line on XX/XX/2018 I determined that the transaction had not been processed. I visited Citizens bank on Friday XX/XX/2018 and learned that Citizens had opted to prepare a paper draft drawn on my checking account and send it via mail in lieu of the electronic payment as I had instructed. The banks stated reason for this action was to protect my funds from being misdirected as in their experience, a paper check was easier to track than an electronic payment. The banks customer service person made calls to Citizens Bank payment processing departments as well as to XXXX  customer service department only to learn that neither Citizens nor XXXX could provide information as to the whereabouts of the {$3100.00} payment. In the following week, I learned that the paper check ( # XXXX ) that Citizens had prepared had been processed by XXXX XXXX XXXX for credit to their customer, XXXX. Over the next several months, I made several visits to Citizens, made several phone calls to Citizens, XXXX and XXXX, all to no avail. In XX/XX/2018, acting on Citizens instructions, I filed a sworn affidavit regarding a fraudulent check claim ; it also proved fruitless. Citizens instructed me to contact XXXX XXXX and/or XXXX, as in their words, Citizens had done what they were instructed to do and they could not assist me any further. I have filed a complaint with the Massachusetts AGs office and their efforts have also produced no results. This matter is now eight and one-half months old and I have incurred an additional {$170.00} in interest charges while trying to resolve this matter. I have a very detailed written description of these facts with account numbers, addresses and names and telephone numbers of people whom I have contacted as well as notes of the substance of each conversation. As of this writing, I am still without my funds.
Consumer complaint received 2019-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

I was 2 months behind on my mortgage payment, last month on XX/XX/2019 I Paid up to date including late fees. ( through the bank website ), This month I tried to make this month payment Come to find out that I was hit with almost {$100.00} in late fees, I call the bank, they kept telling me the website wasnt accurate. 
Got treated badly Ditech finances do not care about customers or their situation, all they know is $ $ XXXX was mean and had her mind set on not giving me resolve the issue.
Consumer complaint received 2023-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX IN XXXX I had several inquiries on my credit report that does not belong there. I have no idea where they come from or who they belong to who do not belong to me. I have tried several times to negotiate and talk to a representative displaying I have nothing to do with these Accounts are in accurate information reporting on my credit report accounts as following listed below 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 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 

15 U.S.C 1681 Section 604 A. 2 : its also states, a consumer reporting agency can not furnish an account without my written permission or instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any adverse item of information, or the records of conviction 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 relating agency if the person knows or has reasonable calls to believe that the information is an accurate The credit bureau keeps disrespecting the law.

Ive shown them multiple times of how they are violating the fair credit reporting ACT.
Consumer complaint received 2019-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

XXXX is reporting incorrectly to Equifax and XXXX an account balance of {$2300.00} on the XXXX partial account number XXXX. ( Please see pages 12 and 13 of the attached credit report ). This account is over 7 years old and therefore should not be on my credit report. This incorrect reporting is harming my credit score and is a Fair Credit Reporting Act ( F.C.R.A. ) violation.
Consumer complaint received 2019-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Associated Credit Services, Inc. (NY)

I had an account in collection with Associated Credit Services, Inc regarding XXXX XXXX XXXX. The account has been paid and stills showing in my credit report as collection. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.
Consumer complaint received 2019-04-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I currently have an account with Bank of America, on XX/XX/2019 through their mobile banking app someone with the name of XXXX XXXX was able to hack this app and send 4 unauthorized transactions through XXXX. Within these 4 unauthorized transactions {$650.00} was stolen out of my account and Bank of America has told me it is my fault as to why my account was able to be hacked. I filed a claim and it was declined.
Consumer complaint received 2023-05-08
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (UT)

Credit card was closed around a year or two ago with a {$0.00} balance now account has been reactivated and has been reported as an open credit card to XXXX. I did not reactivate this. I want it closed permanently and removed from the 3 credit monitoring services. I tried calling their customer service and they could only tell me the account was closed
Consumer complaint received 2023-05-08
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: Aldous & Associates, PLLC (AL)

Aldous and Associates broke all laws that follows including 20 USC 1232g ( b ). 15 U.S. Code 1681 ( a ) ( b ) ; 15 U.S. Code 1681b ; P.L 90-321 ( 82 Stat. 146 ) ; 15 U.S. Code 1681c ; 12 CFR 1022.3 and 15 U.S. Code 1681n. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ''
Consumer complaint received 2019-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ditech Financial LLC (FL)

I received a letter from the IRS dated XX/XX/XXXX saying that they received a XXXX from Ditech Financial LLC claiming I had a debt of {$20000.00} in XXXX and I needed to pay taxes on the Cancellation of debt, about {$3000.00} dollars. 

Ditech Financial LLC XXXX XXXX XXXX XXXX, AZ XXXX I mailed and faxed a dispute on XXXX to Ditech explaining I have never applied for any kind of credit from Ditech Financial LLC. I requested a copy of the 1099-C and any information they may have regarding this fraudulent debt under my name. I suggested investigation should be open immediately within Ditech Financial LLC to get this matter resolved as soon as possible and clear my name. 

I informed, faxed evidence of identity theft to the IRS personnel XXXX XXXX XXXX, stating that was not my debt and asked for an investigation to be opened with tax fraud to get this off of my name. The IRS didn't do anything and is still trying to collect taxes on the debt from Ditech. 

I received no letters or phone calls or any action was taken to resolve this matter from Ditech or the IRS, today is XX/XX/XXXX and nothing has been resolved. 

I informed the Credit Bureaus as soon as this happened and they placed an Identity theft alert on my profile right away. I have contacted local police to open an investigation as an attempt to get this resolved.
Consumer complaint received 2020-09-24
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: LEXISNEXIS (IN)

I recently disputed a bankruptcy on my credit reports, which came back " verified by the data furnisher ''. As LexisNexis was referenced as the " data furnisher '', but my credit report says " U.S. Bankruptcy Court '', the data furnisher would had to have been the U.S. Bankruptcy Court, and NOT LexisNexis. I am unsure how even LexisNexis would be able to verify my information with the bankruptcy court because State and Federal Courts DO NOT give or furnish any information to 3rd parties, which include credit bureaus and data miners like LexisNexis. My birth date and social security number are NOT items of public record or general interest. LexisNexis has a long history of reporting information that not only does not belong to me, but is factually inaccurate. Bankruptcy and other public records are housed on a LexisNexis report ; since LexisNexis is a credit reporting agency, LexisNexis must adhere to the Fair Credit Reporting Act. Therefore, they need to verify all data with the furnisher, which in this case would be the bankruptcy court - which they do not verify information or provide records to 3rd parties.
Consumer complaint received 2020-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

For several years I have been called by portfolio recovery for a final payment on a gap credit card that shows record for not being paid. 

The unpaid balance is under {$30.00}. 

Someone has added unpaid charges on {$30.00} to the some of over {$350.00}. I have agreed to repay the last payment that was missing but will not pay and addition {$320.00}. I have had them note the account several times and they do not. They refuse to take the amount I have agreed to pay again and drop it. 

I just started a new job and they have now found my work number and called it. They OBVIOUSLY know it is my work number which is NOT ACCEPTABLE!!! 

Lastly, They are messing my credit up for {$25.00}. They are hunting me down as though it is {$1000.00} of dollars and.
Consumer complaint received 2023-07-12
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do 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 & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX  XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX  XX/XX/XXXX.
Consumer complaint received 2023-05-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The issue is causing me significant distress and anxiety, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2020-09-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (CA)

I made a purchase on XX/XX/XXXX at XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I was offered 2 years of 0 % interest on my purchase and I was told since I already had a Synchrony credit card at Ashley Furniture I did not have to open a new credit card. My contract clearly states i will not be charged interest for 2 years and my existing Ashley credit card was pre authorized. On XX/XX/XXXX XXXX 's rework my contract due to numerous incidents of bad customer service and issued a credit which lowered my bill. I received a new contract on this date but the financing agreement remained the same. A week ago I received a bill which shows I'm being charged interest. I immediately called Synchrony and they informed me XXXX 's failed to add the special financing. I then contacted XXXX 's and they now refuse to honor the special financing which is clearly shown on my contract. I have filed several complaints with the XXXX XXXX XXXX but XXXX 's and Synchrony refuse to honor this agreement.
Consumer complaint received 2023-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC (CA)

A company called Mountain Run Solution put a derogatory mark on my XXXX and XXXX credit reports for the unpaid amount of {$880.00}. I've disputed this information. I do not and have not interacted with a company called XXXX XXXX XXXX. XXXX removed it, however XXXX DID NOT.
Consumer complaint received 2020-09-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bread Financial Holdings, Inc. (DC)

I am a victim of identity theft and had a fraud alert placed on my account with the three credit bureau 's respectively. XXXX  XXXX/ Comenity Bank began making harassing phone calls. Then, a strange older XXXX  male whom I did not recognize showed at my residence, stated he had a floral delivery. When I went to open the door to my building and saw that this " alleged floral delivery person '' did not have any flowers in his hand, I became frightened because he began badgering me for my name and immediately began walking away. The strange man then proceeded to follow me down the sidewalk swiftly and was chasing me and threw " something at my back '' and then walked away. There were other pedestrians passing on the sidewalk whom witnessed this and when I looked back to see what he had thrown at my back, it was papers that had my name and social security number on them strewn all over the sidewalk. Pedestrians were walking over the papers and also some looked down at the papers which compromised my security and identity. This was not only illegal, but a HIPAA violation and he misrepresented himself as a floral delivery person.
Consumer complaint received 2020-09-24
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: ACIMA CREDIT, LLC (MA)

Only XXXX  is reporting this account as charge-off. This is unfair. Also XXXX is reporting charge-off yet it has a balance. This is inaccurate. I would like this removed from my reports.