davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-16
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: SYNCHRONY FINANCIAL (MS)

I called XXXX and told them that we 're fraud charges on my account I did not fill out for credit cards or auto loans they would n't delete them ask to speak to a supervisor they hung up in my face.
Consumer complaint received 2022-03-19
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. (MD)

My identity has been stolen and use in another state. I got a few phone calls last week from collectors asking for a large sum of money. They asked me to verify a few small details and discovered the account did not belong to me. I have included all false accounts in report. listed below is all the names and addresses used on my credit report that do not belong to me XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX addresses XXXX XXXX XXXX XXXX sc XXXX XXXX XXXX XXXX XXXX sc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, sc XXXX XXXX XXXX XXXX XXXX, sc XXXX
Consumer complaint received 2022-03-19
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. (MD)

My identity has been stolen and use in another state. I got a few phone calls last week from collectors asking for a large sum of money. They asked me to verify a few small details and discovered the account did not belong to me. I have included all false accounts in report. listed below is all the names and addresses used on my credit report that do not belong to me XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX addresses XXXX XXXX XXXX XXXX sc XXXX XXXX XXXX XXXX XXXX sc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, sc XXXX XXXX XXXX XXXX XXXX, sc XXXX
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX, XXXX, and trans union are still furnishing inaccurate information, closed accounts, charge offs and transactions on my consumer report. Wrong name and different aliass that hinder my fico score.
Consumer complaint received 2022-03-19
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: Experian Information Solutions Inc. (SC)

I have inquiries on my credit report that I have no knowledge of and I have inquiries on my credit report that were done without permissible purpose 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 2017-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (OR)

This debt was satisfied on XXXX-2016. I have contacted XXXX regarding this debt asking them to remove this from my report as it has already been satisfied. I also sent them the letter they sent me stating it has been satisfied. They continue to call me harassing me.
Consumer complaint received 2022-03-19
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. (SC)

I have inquiries on my credit report that I have no knowledge of and I have inquiries on my credit report that were done without permissible purpose 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 2018-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Russell Collection Agency, Inc (MI)

Your agencys failure to rebut, answer, respond, to this conditional acceptance upon proof, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to Claimant for rebuttal or acquiesce stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. Your agencys failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment created Summary judgment, dated XX/XX/2018. This is Final judgment with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any  further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.
Consumer complaint received 2017-08-16
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have filed numerous complaints with all available agencies. I have requested to have my Bank of America/Unemployment account investigated. Bank records do not match merchant records with no explanation to the account holder. When complaints are answered I am told I did not tell Bank of America in the time allowed and due to them being strictly governed by Bank of America Visa that they do not have to investigate regardless if the accounting done by the bank for fraudulent charges or the merchant can be reconciled. After three years I have learned one of the many persons that have been able to bill to my Bank of America Visa card. I will attach the information below but I would like to be protected like I should of been in 2013 when Bank of America flagged the account for fraud two days after this began and released it with no notification to the account holder. If the account would of been locked as normal businesses and financial institutions state they do, I would of been alerted. Why was this allowed and why was I not notified or have I ever been sent actual bank statements.
Attached 1 accounts listed as administrators on my XXXX device!
2 Screen shot of the person that has fb account XXXX ( address bar ) 3 screen shot showing that it is his account number which makes it linked to my bank because he is in possession of a prior phone number. I do not know this person whatsoever!
Consumer complaint received 2022-03-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

I had someone, whom I do not know XXXX ( 2 ) payments to this unknown person, XXXX for {$300.00} and another for {$400.00} on the same day ( XX/XX/XXXX ). The last attempt was for {$420.00}, but Chase Bank stopped that one, thankfully. They text me while I was driving, but could not reach anyone soon enough to find out what the problem was. I put in a claim to the fraud department only for them to come back and say they were authorized by me. I have had numerous fraud problems in other areas of my account and had to close out my credit card with them many times. I should not be responsible for these transfers. Why did they stop the last one for {$420.00}, I guess they figured something nefarious was going on. I have changed my passwords and user ID several times, delete anything to do with XXXX and deleted my mobile app. No one but me has access to my banking nor my phone, it was hacked, obviously. Hope you can help. Thank you, XXXX XXXX
Consumer complaint received 2022-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NY)

Today at XXXX XXXX I called Chase Bank to update my information so I can access my online banking. When I spoke to the second rep my password was changed and I lost all access to my online banking. I have 3 accounts with chase bank. One ending XXXX, XXXX ( e.i.n ) and an additional account which was closed without my permission and was in good standing. They have been deleting transactions and they have been money in my account like stimulus checks which I never received. I have been XXXX and my identity have been stolen which I have a police report number Report number XXXX XXXX XXXX. I will like full access to my account which I was denied since XXXX of 2021.
Consumer complaint received 2017-08-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC. (DC)

Dear Sir/Madam ( ref previous id # XXXX ) I thank you for following up the problem with opening an account with HSBC bank and to let me know their respond. It is not yet clear which of the following items or anything else made the bank unable to open an account for me and my wife. Has there been any problem with my : a.USA legal permanent resident ID card b.XXXX XXXX XXXX ID driving licence c.USA social security ID card d. Our age e. Our income level f. Our retirement g. The forms which we filled with teller help and signed h. The oral conversation and answers we provided or any other information, would the bank please make it clear what made them unable to open account for us
Consumer complaint received 2022-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

- my XX/XX/XXXX purchase from XXXX of {$5500.00} was put into the " Chase plan '' - a payment plan. It has never been refunded by the merchant, nor should it have been. 

- on XX/XX/XXXX I made a new and different purchase with XXXX of {$7300.00} which was not put into a Chase plan - that XX/XX/XXXX purchase was refunded by the merchant when I cancelled the ticket less a {$200.00} cancellation fee - the amount refunded was {$7100.00} Chase erroneously ended my " Chase XXXX '' for the XX/XX/XXXX purchase of {$5500.00} - their only explanation of this move is that they think the amount was paid off/refunded by the merchant, when it clearly was not. 

Neither I nor the merchant paid off or refunded the original {$5500.00} purchase. Obviously that amount should still be in the Chase plan as per the terms and conditions agreed upon. Chase is claiming that they do not see in black and white that these were 2 entirely separate transactions on different dates and in different amounts with the same merchant. The {$7100.00} refund of the {$7300.00} XX/XX/XXXX purchase has absolutely nothing to do with the XX/XX/XXXX purchase of {$5500.00} which is supposed to be on a payment plan. I am being charged interest and late fees now on this purchase and it should be returned to the Chase plan that I signed up for.
Consumer complaint received 2022-03-19
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. (UT)

There are XXXX Collection Accounts on my Credit Report from XXXX XXXX and XXXX XXXX. They are not valid. They XXXX XXXX XXXX XXXX had approved disputed charges with XXXX. These are the amounts in question- and they were approved disputes. This has nothing to do with XXXX who harasses me via phone with blocked numbers every single weekday. I have had to change my phone numbers 5 times. Further they not only threatened me, but they ruined my credit without me even knowing how they were at first. They violated 4 Hawaii laws as they do not have business even contacting me while I was in Hawaii, and violated Utah law too as they aren't a registered entity here either. Yet they continue to Park Debt despite the FTC lawsuit on my Credit Files with all the major bureaus. It was only after reporting to XXXX that they sent me 5 statements that are way after I stopped my relationship with XXXX XXXX. they don't know the history and the Credit Bureaus side with them because their client is XXXX XXXX and all three Bureaus get money from marketing with XXXX XXXX so they ignore the consumer and allow XXXX to fraudulently park this debt that is not mine on my report.
Consumer complaint received 2023-06-24
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. (CO)

I was visiting my mother in Arkansas ( from XX/XX/XXXX - XX/XX/XXXX ) when I received an email from XXXX saying I had purchased tickets to the XXXX XXXX XXXX XXXX XXXX basketball game in XXXX on XX/XX/XXXX. I was still in Arkansas for that game, so I would not have purchased those tickets and immediately called Chase and disputed the claim. The claim was for {$570.00} Chase took care of it and I saw the charge drop off my account within a couple days. They canceled that credit card number and sent me a new one. 

In that time of waiting for a new card, another fraudulent charge was attempted on my XXXX account for the next XXXX XXXX XXXX XXXX XXXX basketball game in XXXX ( amount was {$870.00} ), but it was declined because the credit card number had been changed. I have both order numbers for both ticket purchases. I then looked futher into my account and noticed that my address had been changed to somewhere in XXXX XXXX. So the criminals had even changed my account address! This would end up not being enough proof for Chase. 

Then on XX/XX/XXXX, I noticed that the original XXXX purchase had re-appeared on my credit card account. I waited a few days to make sure it stayed on the account and it did, so I called Chase to inquire why this charge had returned. They said they had reviewed my dispute claim and decided that I had indeed made the purchase because it came from my credit card and my name and email address were the same. I told Chase that the criminals had attempted a second purchase but it had been declined due to Chase sending me a new card. They said I would need to provide proof from within my XXXX account. I immediately sent them screenshots of the fraudulent charges on my XXXX account, including the address change, even circling in red where the issues occurred. 

Two days later, so now XX/XX/XXXX, I received a letter from Chase saying they have concluded their review and have found the transaction valid. Case closed, apparently. 

To recap, I was not in the same state for a basketball game for which I purchased tickets. A second fraudulent basketball game ticket charge was attempted AFTER receiving a new credit card from Chase only for it to be declined, along with a fraudulent address change on the XXXX account, were all not enough evidence for Chase to believe I had not made these ticket purchases.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-09
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

*THIS IS NOT A DUPLICATE COMPLAINT* This is In response to CFPB complaint # : XXXX & XXXX ITS BEEN WELL OVER 30 DAYS AND I HAVEN'T HEARD ANYTHING BACK IN REGARDS TO THEM COMMITING IDENTITY THEFT. BELOW IS MY ORIGINAL COMPLAINT. I NOW NEED CFPB TO STEP IN TO CORRECT THIS MATTER. I BELIEVE THEIR TAKING THEIR TIME TO BRING FURTHER HARM TO ME AND MY FINANCIAL REPUTATION. 

" My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX XXXX XXXX XXXX XXXX for a number of federal violations. I have never given XXXX XXXX XXXX XXXX XXXX XXXX any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any documentation requesting validation from XXXX XXXX XXXX XXXX XXXX XXXX before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If XXXX XXXX XXXX XXXX XXXX XXXX can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me ( the consumer ) prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX XXXX XXXX XXXX can provide me with sufficient documentary evidence that I have any legal obligation to pay them such as a trilateral contract. If this documentary evidence can not be produced and XXXX XXXX XXXX XXXX XXXX XXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX XXXX XXXX XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. ''
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MD)

Over the past 2 years I have submitted disputes to the organization and the credit bureau for reporting inaccurate information. Credit Acceptance continued to report inaccurate information to all 3 the credit buraus. After each dispute Credit Acceptance would come back and say the information they are reporting was accurate. In XXXX, XXXX deleted the account after a dispute due to the continuous inaccurate reporting from Credit Acceptance. I grew so tired of the back and forth between Credit Acceptance, and the credit bureaus I paid the car off early in XX/XX/XXXX and the account was closed. 
Today XX/XX/XXXX. I get a letter from XXXX indicating that Credit Acceptance requested to have the account reinserted into my credit XX/XX/XXXX. The account was reinserted as an open account with a {$5900.00} balance. My XXXX credit score took a hit for the reinsertion of an account with debt I don't actually owe.
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

on XX/XX/2021 I made a call to XXXX XXXX XXXX and explained to them that I had an incorrect late payment on my account. I was told it would be investigated and I would be notified by mail. Later XX/XX/2021 I received a letter informing me that " this account was reported as deleted for XXXX XXXX ''. I checked my report 30 days later and it was still there. I have tried for several months to get this removed form my account. This process has cause me to lose out on property, funds and caused a lot of frustration and destress. XXXX placed a 30 day late payment on my account and I have never been late. I bought a new car and in the process of the dealership transferring the payoff of the first cat to XXXX financial the communication between the two were lost. I was received 2 different contracts and the financial company said they only got one. I had to prove to them that I had 2. I am in the process of XXXX a house and this late payment is holding the process up. Because of this mistake I have lost out on many homes and funding. I need help getting this Item removed.
Consumer complaint received 2017-08-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Credit & Finance, Inc. (CA)

A company named Atlantic Credit and Finance Called me from an unknown number today X/XX/2017 at XXXX Pacific time. The call lasted about 16 minutes. After asking the repeatedly at least 10 times during that call if I could have their address so I can send my via Money they continued to harrass me after I told that financial hardship is the reason my account went into collections. They wanted to know how, why, when, where and what exactly happened. After repeatedly telling them that I was n't giving them my life and if I could the address and kept asking me what was having their address gon na do for me. They have some shady phone tactics and it made me feel very uncomfortable with them having my information and not wanting me to pay what I could afford on the account that they purchased from XXXX XXXX XXXX. The two employees that were harassing me names are XXXX and XXXX.