davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have reported before regarding my personal information. My name is inaccurate and any account tied to these name are not mine. I'm sure someone has these names, however it was reported inaccurately. 

XXXX XXXX XXXX XXXX This is NOT my name. 

There is a XXXX XXXX # XXXX, which XXXX is the original creditor account tied to XXXX XXXX. XXXX is not mine. I have not had XXXX known as XXXX XXXX # XXXX.
Consumer complaint received 2019-06-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANCO POPULAR DE PUERTO RICO (TX)

I PAID IN 2016 OVER {$20000.00} TO 2 COMPANIES XXXX XXXX AND XXXX XXXX. THESE 2 COMPANIES SCAMMED ME AND THE PAYMENTS WERE DONE BY XXXX. I TRIED TO CONTACT THEM AND THE PHONE NUMBERS ARE NOT IN SERVICE. THERE WAS ANOTHER COMPANY CALLED BANCO AND THEY WERE A PART OF THE SCAM ALSO.
Consumer complaint received 2019-06-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Io, Inc. (VA)

On XX/XX/XXXX, I disputed the validity of 3 accounts being reported to my credit by this company. ( acct # XXXX, acct # XXXX, and acct # XXXX ) I requested validation in writing. This company never responded. I have never received a collection notice from this company advising my rights to dispute. After my 2nd credit report dispute and written letter sent in XX/XX/XXXX demanding them to cease collection efforts and remove their tradeline from my credit due to FCRA violation, they finally responded advising the following : " My company believes the law in question only applies " if the consumer notifies the debt collector in writing within the thirty-day period '' of when the debt collector sends notice of the right to request validation '' The information they sent me was not complete and I feel that I should not have to continue back and forth with them as it has already been 7 months and they have had ample time to respond and provide complete proof of the debt as I had originally requested. I did my due diligence and they did not. 

If they NEVER sent me a letter advising of my right to dispute, how could I be aware? 
I was first notified of this debt when I took the initiative to pull my credit in XX/XX/XXXX. I immediately contacted them and requested validation and gave them 30 days to respond. They failed to respond. I believe this account has frivolous charges on it that I never agreed to and I also do not agree with the services that they claim they are billing me for. They have not provided me with a signed document that states I ever agreed to the fees they claim I owe. 

Their response to me is not a true statement per the FCRA. The law states if they do not validate the debt when requested and within a reasonable time frame, they must remove their tradeline. The FDCPA states if they can not validate the debt then they must stop collection activity and close the account. This company 's opinion of the law doesn't excuse them for not complying with FCRA and FDCPA requirements. I gave them a fair amount of time to respond and they did not bother to respond until 7 months later after another written letter was sent to them threatening further action if they do not remove this from my credit and stop collection activity. I will also be filing a XXXX and attorney general complaint against this company as well as seek legal action for failure to follow the law.
Consumer complaint received 2019-06-18
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: TD BANK US HOLDING COMPANY (NJ)

I recently arrived at a settlement with TD Bank regarding reinstatement of my mortgage account. Throughout the duration of the legal proceedings, I was being charged with " late payments '' on my credit report as well as with a foreclosure mark as well. 

After the settlement, the foreclosure mark was removed but the late payments are still on my account. I was ready to begin paying my mortgage from the beginning of this entire ordeal at the mortgage rate in which we settled on eventually despite the legal proceedings. 

TD bank was solely responsible for not accepting my payments due to inefficiencies on their part and I do not believe that I deserve to be continuously penalized for something I could not control ( ability to make payments ). 

I respectfully demand that all late payments be stricken from my credit report immediately in order to prevent further financial hardship on the consumer. 

Please feel free to contact myself or my attorney if you require any information which you do not already have access to. 

Thank you, XXXX XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

This account is reporting incorrect information to my credit reports. This is an illegal practice, according to consumer law. XXXX XXXX has been notified of this error, as have all three credit bureaus as well. They have totally ignored my disputes and have not sent results to my address. Under the FCRA, Section 611 ( a ) ( 1 ) ( A ), it is mandated that consumer reporting agencies ( credit bureaus ) must ensure the accuracy and completeness of consumer information in their reports. This includes investigating and correcting inaccurate or outdated information when consumers dispute it. You have the right to dispute any information on your credit report that you believe to be inaccurate, and the credit reporting agency is required by law to conduct a reasonable investigation and remove or correct any information that can not be verified as accurate. The date opened is incorrect and does not match the information on all reports. No, term months are incorrect and do not match. The last reported and last day active are incorrect and do not match. I've enclosed and/or provided a copy of all three credit reports for review to support my case.
Consumer complaint received 2019-06-18
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: JPMORGAN CHASE & CO. (GA)

I paid XXXX XXXX XX/XX/19. {$800.00} with credit cards # XXXX to replace siding on my chimney. They didnt replace the siding but cleaned and repainted the old siding which had some rot spots. Repairing the rot wasnt in the contract only replacing it. I tried contacting them several times but no response by cell XXXX and work XXXX which wasnt in service so on XX/XX/19 I filed a complaint with Chase # XXXX. Chase rep XXXX who took the complaint # XXXX and called them while I was on the line before he completed it. I never received the complaint by mail so I called them and found out that it had been closed because of no response from me. XXXX XXXX said that he wasnt contacted until he got the chargeback which was a lie. Chase refiled the complaint # XXXX XXXX and I got the mail within 10 days. I had the XXXX branch manager fax the documents ( cashier check # XXXX XXXX  XXXX XXXX XXXX dated XX/XX/19 and statement of payments on XXXX  XXXX XXXX checking acct. XXXX a rep fax the picture of the new repairs by XXXX XXXX which I had to pay again to replace the siding that XXXX XXXX didnt as requested by manager XXXX in complaint department. My complaint was declined because I was told that it was untimely by a manager named XXXX on XX/XX/19. XXXX requires banks to charge back payments if you didnt get what you paid for and I didnt.
Consumer complaint received 2019-06-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY (CA)

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Subject : This account is under the XXXX  XXXX XXXX   Program This is to notify you that this account is being processed by the XXXX XXXX XXXX  Program and Ive been instructed to NOT make further monthly payments so that it can be negotiated and processed under the XXXX XXXX   XXXX Program. This is my formal notice that this account # XXXXXXXX for {$1500.00} will be handled by XXXX XXXX. 

Thank you, XXXX XXXX
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I had a legal name change. As per Experian, I should update my name with all of my creditors. When the creditors update payment information with Experian, my new name would also update. I did just that. Except, when the payment information was provided to Experian, it caused my report to split into two. I now have a credit file under my old name, and another under my new name. I contacted Experian and they opened a case to combine the two credit files into one. The first attempt, on XXXX/XXXX/2019, Experian had me upload my name change order from the courts and told me they would merge the credit files within ' 3 business days. That never happened. I called again on XXXX/XXXX/2019 and was told another ticket had to be opened. They saw the paperwork was submitted, but it was never handled. As of this morning, I found that they did not merge my credit files, but instead moved my accounts off of my old credit file and onto the new XXXXne. This is still leaving me with two credit profiles which is causing issues obtaining new credit, etc. I contacted Experian again today, XX/XX/2019 and was passed around for almost 45 minutes before they finally just hung up on me. I tried to login to my XXXX XXXX membership through Experian, and I see a blank profile ( my old name 's credit file ). I need to get these two credit files merged properly.
Consumer complaint received 2019-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (GA)

I was notified by XXXX XXXX XXXX. on XX/XX/XXXX that my husband 's SS #, DOB , phone number ( but not address ) and identity had been used to get credit from XXXX XXXX  to purchase furniture online from XXXX XXXX XXXX for {$4700.00} on XX/XX/XXXX. The loan was purchased by Cavalry SPV I/LLC ( file # XXXX ). I discussed this with Cavalry and the address used was XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, GA and we had never lived there. I assume the furniture was delivered there or some other location. It looks that purchase happened on 2 separate occasions. We have never lived in XXXX XXXX. Cavalry had my current address as they send us the bill. They would also have my previous address. 

I did file a police report with XXXX Co. GA sheriff 's office ( file # XXXX ). I also wrote a letter to Cavalry explaining that this was not my husband and we never purchased with credit from XXXX. I have purchased from there but always charged with XXXX. 

I believe Cavalry knows this was not my husband and this was identity thief/fraud based on my discussion with them but they are continuing to contact us. This is harassment as we are the victims! They know the furniture was purchased under fraud and they know where it was delivered! I requested the debt be removed from our credit reports and any other places it may appear as it is not us! According to them, they need this formal, notarized document to do an investigation. That is not a legal requirement! I want this to go away and them leave us alone!
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Signed up for a ( Free ) credit report from transunion. Nowhere on their page does is it readily apparant there would be a recurring fee of XXXX $ monthly. I noticed the charge immediately and contacted them as soon as they opening at XXXX. Only to receive absolutely no help whatsoever. I'm now in the process of trying to contact my bank to dispute the charge.
Consumer complaint received 2019-06-18
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: AMERICAN EXPRESS COMPANY (UT)

American Express accounts under my name were taken over and fraudulently used by a criminal organization without my consent or authorization. I filed a police report back in 2017 due to the nature of the complaint and the detective needed various proof of information that took me over 15 months to gather to finalize the police report. I have tried to resolved the matter with American Express with no luck. Then 2 months ago I filed a XXXX  complaint for them to respond which they never did. Now I am trying through the CFPB portal to resolve these debt and learn them out of my name. I was a victim of identity and fraud and don't understand why I had to jump through hoops being protected by my credit card companies in these matters. 

POLICE REPORT NUMBERS XXXX XXXX XXXX Detective XXXX XXXX XXXX
Consumer complaint received 2019-06-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Recovery Service Incorporated (CA)

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX To : American Recovery Service Incorporated XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Subject : This account is under the XXXX XXXX XXXX XXXX This is to notify you that this account is being processed by the XXXX XXXX XXXX XXXX and Ive been instructed to NOT make further monthly payments so that it can be negotiated and processed under the XXXX XXXX XXXX XXXX. This is my formal notice that this account # XXXX for {$1500.00} will be handled by XXXX Representatives. 

Thank you, XXXX XXXX
Consumer complaint received 2019-06-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Eagle Financial Services, Inc. (OH)

I am very disappointed in the way that this company handles their business. I had applied for a loan and was denied. however, I didn't wish to share my denial with everyone. Please see attached the letter that was sent to me by the company letting everyone know I applied for xx amount and was denied. This was a private matter and should have been kept confidential.
Consumer complaint received 2016-11-12
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (LA)

On XX/XX/2016 I received resolution from CFPB against JC Penney regarding my statements not arriving at my home address. However on XX/XX/2016, when I received the documents from JC Penney - XXXX, Sr. Specialist Corporate Consumer Relations office I received old statements. On XX/XX/2016 I phoned XXXX and left her a message confirming my mailing address yet again, having done this already numerous times, and requesting that my statement be sent from then on to the address provided, of which she mailed the documents to as well, now I was charged a late fee for not receiving the statement again last month and now this month again still no statement received. I am sure that I have been charged yet another late fee since I did not receive a statement. I do n't feel I have to continue to request my statement be sent to me for payment. I have faithfully paid my account until this issue. I want my statements and I do n't feel it 's fair if I am charged any late fees, since JC Penney continues to refuse to send my statements despite my repeated requests to receive it and confirming mailing address. On XX/XX/2016 I left XXXX yet another message advising her that I have not received my statement yet and would like to have it mailed to me, I was a bit upset and with reason. It is ridiculous that I have to request my statement repeatedly. Its so disturbing to have to remember to look for my statement when it should arrive monthly.
Consumer complaint received 2022-01-08
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX, and I am writing on behalf of myself to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-09-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (IN)

Wells fargo bank close my account did not want sent money is back to me. wait for 6 months after letter wells fargo bank send in XX/XX/2022 now XX/XX/2022 well fargo bank still hold my money did not want sent to me amount {$2100.00}.
Consumer complaint received 2019-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (VA)

Discover is reporting that I have missed 2 payments. I have paid {$300.00} a month for over a year. I have been unemployed for over a year so {$300.00} a month is all I can afford. I have not missed any payments.

I realize {$300.00} is less than the minimum payment. Discover combines 2 payments I send to cover the minimum payment for one month and then reports I missed a payment and they charge me late fees, which has put me over my credit limit so the amount I owe them continues to rise, as the {$300.00} I send is not enough to cover the interest and late fees.

According to my Discover statement it will take me 48 years to pay them. 
Interest charged as of XX/XX/2019 : {$1500.00} Late fees : {$220.00} In the meantime my credit score drops monthly.

I have tried numerous times over the past year to come to some type of payment arrangement.

Discover Card admits they have record of receiving {$300.00} a month.

Discover calls me up to 5 times a day.

Discover states they will not work with me unless I give them access to my bank account.
Consumer complaint received 2019-06-18
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. (GA)

XXXX XXXX # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.
Consumer complaint received 2019-06-18
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. (GA)

XXXX XXXX # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.
Consumer complaint received 2019-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AL)

This company XXXX XXXX XXXX is trying to charge me XXXX for a debt, I don't know anything about and has it on my credit report and now has turned it over for collections to a new company LVNC funding out of Sc, listed under collections on my report. This unfair for them to try to make me pay for something that is not mine.
Consumer complaint received 2019-06-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (NV)

I recently went to the police department to complain and file a report. They asked if before I went further with the report, that I can bring in solid evidence that my identity had been compromised. I then reached out to the bureau 's as well as the original credit numerous times, no documentation provided. 
Please note, the few times I've reached out it's been in seek of not just an itemized invoice. 
I then recently sent them my FTC report, it's now the 52nd day and no response. I, unfortunately, did not record the login information and had to update it today. 
I have no relationship with this collection agency or creditor and this is not my debt. I received no right to dispute, anything! It just appeared on my credit report. I've lived at the same address for 6 years, nothing has come to my home. Full violation of 609 and 823, as well as the FCRA that requires they respond to my FTC affidavit. I say all of this with humility.
Consumer complaint received 2019-04-19
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. (ME)

My credit card company sent remarks to the credit bureaus regarding a disputed charge on my account. The dispute was resolved by me with the vendor prior to the credit card company taking any action. However, for reasons no one can explain ( the credit bureaus or my credit card company ) my FICO score went down significantly due to the remark. Upon questioning the remark with my credit card company I was assured that my credit history with them was excellent and that the remark should not have taken down my credit scores. They said they were going to dispute the remark with the credit bureaus. When the credit bureaus received the dispute my scores went down again. Of course once again no one can give me a straight answer. To say the FICO system is broken is an extreme under statement and I resent being a victim of ineptitude.
Consumer complaint received 2022-02-22
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. (FL)

I am a victim of identity theft and as a result fraudulent inquiries and charges have been made on my credit card account ( s ) and a misrepresentation of my creditworthiness is publicly displayed to lenders thus causing financial hardship and premature denial of credit.
Consumer complaint received 2018-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

Chase Bank holds the mortgage on my homestead located at XXXX XXXX XXXX XXXX XXXX TX XXXX. Loan # XXXX. 


They raised my payment from {$2200.00} to {$2600.00} because of escrow calculation for the end of XX/XX/2018. I have lowered my insurance cost by 40 % and my taxes are not that much higher to justify an increase of {$5400.00} this year. 

They deny my request for another review on my escrow with the new information. 

Sincerely XXXX XXXX