davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/19 we filed an unauthorized and fraudulent telephone transfer of {$11000.00} ( posted on XX/XX/XXXX ) from our Chase Savings Account to one of our checking accounts and then immediately therafter 4 unauthorized and fraudulent transfers ( accounts only identified by last 4 digits, which are not ours, but are Chase accounts ) from our Chase checking account totaling {$18000.00} ( {$4600.00}, {$4500.00}, {$4500.00} and {$4300.00} ) these transactions also indicate transfer via misc debit. All correspondence and paperwork was filed at the Chase Branch XXXX XXXX XXXX, XXXX NJ, XXXX. We informed the Branch Manager that we never do telephone transfers, we did not benefit from the transfers and we were in XXXX Texas when these transactions took place. Initially Chase filed this as a Reg. E claim and as a result the provisional credit to us is due today. However we were out the Branch speaking with Branch Manager today XXXX and was informed that Chase will not be providing us the credit today as they have not completed their investigation. I informed that they were not in compliance with Reg. E, in addition, they can not deny my claim of fraud as the 4 transfers were not into an account I benefited from. In addition, I was told that there is no one I can speak directly to Chase to call me. Meanwhile we do not have access to our {$18000.00} that was misapplied by Chase, as well as no one to contact at Chase for further explanation or clarification. I am appalled that I have to " wait '' for my own money and that as a consumer can not get the answers I deserve. The {$18000.00} should be credited immediately.
Consumer complaint received 2021-09-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

This account has age off my credit report and still reporting negative remarks to this day on XXXX. I know this account does not belong to XXXX XXXX XXXX I have asked for proof. to this day I have not yet received any notice of this account. I request the following. 
The name and address of the original creditor, the account number, and the amount owed. 
Verification that there is a valid basis for claiming I am required to pay the current amount owed. 
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
Please also note whether this debt is within the statute of limitations and how that was determined. 
Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address, and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well.
Consumer complaint received 2018-11-10
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: Diversified Consultants, Inc. (NC)

I previously filed an FCC complaint on XXXX for erroneous billing and failure to credit my account properly. After the depute my bill was credited and it resulted in a XXXX balance.Afterwards I ported to a new company and returned 2 years later. The bill wasnt mentioned and there were no adverse effects when I ported back to XXXX. Almost a year in and collections agency has listed the item on my credit report. XXXX advises the issue was resolved and they aren't showing compensation due on the amount. However, XXXX is the only credit reporting agency that refuses to remove it even after several disputes have been entered. In fact they have blocked me from further filing in the matter!
Consumer complaint received 2018-08-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

XX/XX/2018 Added a XXXX recipient " XXXX '' -- XXXX XXXX XXXX XX/XX/2018 TRANSFER TO XXXX XXXX REF # XXXX ( via XXXX ) {$240.00} -- email used was : XXXX XX/XX/2018 Amount not received by XXXX XX/XX/XXXX Talked to Wells Fargo banker " XXXX '' at XXXX XXXX Branch He noticed that XXXX had not registered for XXXX with her email yet. Sent instructions via email to XXXX on how to register with XXXX and asked her to do so. XX/XX/2018 XXXX still has not recived the {$240.00} in her account Added XXXX recipient " XXXX '' -- XXXX XXXX ( XXXX 's husband ) TRANSFER TO XXXX XXXX ON XX/XX/XXXX REF # XXXX ( via XXXX ) --  email used was : XXXX XX/XX/XXXX XXXX XXXX received the amount in their account ( same account as XXXX ) {$240.00} XX/XX/2018 Talked to Wells Fargo banker " XXXX '' XXXX checked both of our accounts -- XXXX 's email was still NOT registered with XXXX -- XX/XX/18 Our account showed a payment of {$240.00} to XXXX -- XX/XX/18 Our account showed that the payment was delivered to some WF account ( not XXXX 's ) -- XX/XX/18 XXXX XXXX & XXXX 's account show NO payment received on XX/XX/18. -- XX/XX/18 XXXX XXXX & XXXX 's account show the payment ( {$240.00} ) received. ( sent on XX/XX/XXXX ) XX/XX/2018 After almost 3 weeks of original XXXX payment, the amount that should have been returned to us within 10 days of No Delivery is still no where to be found. XX/XX/2018 XXXX claim case opened : XXXX XX/XX/2018 XXXX claim case closed : They claim the amount was successfully delivered and a token was successfully issued and there is nothing they can do now ( but they do not disclose to WHOM it was delivered ) The question is : If XXXX 's email is not registered with XXXX ( as Wells Fargo has verified ), then where did the original amount of {$240.00} go -- it was taken from our account but not received by the intended recipient ( both facts verified by Wells Fargo including the intended recipient 's email address, so no confusion about the email address either ), then where did it go and why are they not refunding us?? XXXX & XXXX have no other bank account. XXXX also called Wells Fargo & XXXX, but they could not help him either to track down the missing payment. XX/XX/XXXX -- XX/XX/XXXX Went back & forth with the Wells Fargo banker " XXXX ''. He opened a new case : XXXX with their Executive Resolution Team, who took 2 weeks to look into this. In the end the case was closed because XXXX won't expose the account # the amount was deposited to. XXXX gave up and agreed we go through the Legal Route.
Consumer complaint received 2018-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Larry H. Miller Group of Companies (AZ)

XXXX XXXX XXXX is falsely reporting a high balance on my credit report. I had a vehicle with them opened in XXXX of 2015 for approximately $ 12K. I voluntarily surrendered this vehicle and the remaining balance is $ XXXX after the sale of the vehicle. My XXXX credit report shows the accurate $ XXXX tradekime but tally also added another $ XXXX tradeline onto my XXXX  credit report. It goes without saying that this is negatively impacting my credit score. This trade shows a term of one month, no payment history, and also that it was charged off. I have tried to contact rally motor credit to update my credit report removing this negative information to no avail. Please help.
Consumer complaint received 2023-01-03
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2018-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT)

Hard inquiries are correctly reported and are accurate but I was told they all should be removed. Those nine inquiries should have been wiped from the report months ago like I was told they were going to be. They have approval to be removed. They remain on there despite being assured by an agent that they will be taken care of. They should be whiped ASAP as it is holding up my other credit endeavors and is preventing access to future credit opportunities.
Consumer complaint received 2018-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Toyota Credit De Puerto Rico Corp. (TX)

Hello : I paid sold my account to other identity, XXXX XXXX XXXX  send me the document My accoubtvus paid off and i request removed my account from my credit 4 years ago and I show in my credit like open. I want to remove that from my account. 
Thank you
Consumer complaint received 2018-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX I checked out of XXXX XXXX early, i had paid for my entire stay but had not yet paid for the resort and parking fees. I paid {$51.00} for one day 's worth of fees. The front desk agent told me that her manager had agreed to waive the remaining fees as I would no longer be on the premises. I received a receipt for this amount from XXXX.

XX/XX/XXXX {$150.00} posted to my account. This is a charge for the additional resort and parking fees XX/XX/XXXX I called XXXX. The person I talked to told me they couldn't help me and I had to call their accounting department when they were open Soon after I disputed the charge with Wells Fargo as I became frustrated trying to contact XXXX. It is very hard to get them on the phone.

XX/XX/XXXX After back and forth with myself and XXXX, Wells Fargo decided that they would not continue with my dispute as XXXX  says the charges are valid.

I emphasized to Wells Fargo that I should not be paying these charges as the receipt I received was for {$51.00}. I checked out of the hotel and am no longer liable for accrued charges.
Consumer complaint received 2022-05-03
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy XXXX EOS XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-09
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: Fig Tech Inc. (TX)

After reviewing my credit reports through XXXX, and XXXX, I noticed that Fig Loans had been reporting a late payment for the month of XX/XX/XXXX. I know for a fact had not missed a single payment to Fig Loans in XXXX. My immediate response was to dispute through the reporting agencies. Both bureaus completed their investigations and advised me that the late payment had been confirmed and remains on my reports. After several unsuccessful attempts to reach a representative by phone, I decided to reach Fig Loans by postal mail regarding the matter. I sent a letter along with supporting documents to confirm that my account was in fact current. I sent my correspondence to their mailing address in XXXX XXXX on XX/XX/XXXX, and a USPS Return Receipt confirms that a representative by the name of XXXX XXXX signed to receive my documents on XX/XX/XXXX. I have waited over 30 days for an update regarding their investigation and I have yet to receive a reply.
Consumer complaint received 2018-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I asked for a copy of the agreement or contract that has my signature on it that authorizes the bank to collect this debt. Under the FDCPA I have the right to have my alleged debt validated. They did not provide me with that information and it has been over 45 days or more. This Debt is not mine and should be removed from my credit.
Consumer complaint received 2022-05-03
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy XXXX EOS XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

On XX/XX/2021, I sent a letter regarding an inaccurate information on my credit report. To this day, over 45 days later, I have not received a response from Equifax and XXXX. This item was successfully removed/deleted ( XXXX XXXX XXXX ) from all three bureaus, and later re-inserted under a different name ( XXXX XXXX XXXX ) by Equifax and XXXX. I feel as though I am being taken advantage of and being ignored regarding my disputes. Section 611 ( a ) plainly states that failure to investigate the item within 30 days gives reason to immediately remove the item from my credit report. In my case, it has been over 45 days so it should be deleted promptly. I demand this account to be deleted immediately or I will file for litigation due tot he XXXX I have been caused. 

I also filed a CFPB complaint with XXXX XXXX XXXX company and received a response from them regarding this matter which I have attached to this complaint. It indicates that they had no role in re-inserting this once deleted account back onto my report under a different name and also advised me that because they had no hand in that, they were unable to remove it from my report. They apologized for the inconvenience this has caused me. 

On top of that, Equifax and XXXX are reporting this inaccurate and unverifiable information illegally. I have mentioned multiple times the inaccuracy of the term of months, high credit, last reported date, last active date and date of last payment on this item. This has caused me extremXXXX XXXX and has greatly hindered my capability of obtaining new credit. I have taken all necessary steps ( disputing with the bureaus directly, reaching out to the company directly ) & this is my last resort. Is it not fair and this item should be deleted immediately. 

PLEASE REVIEW ATTACHMENTS.
Consumer complaint received 2021-12-03
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: EQUIFAX, INC. (PA)

XXXX XXXX XXXX- on my credit report it reflects I was 30 Days late in XX/XX/XXXX, but I had automatic withdrawal. Based on the supporting documentation, it shows that payment was made, but they did payment reversals on numerous dates. 

XXXX - on my credit report, it reflects I was late 30 days in XX/XX/XXXX, but the supporting documentation and phone call with XXXX representative says otherwise. 

XXXX- on my credit report, it reflects I made late payments between XXXX and XXXX. In speaking with the representative, they did not have records to verify late payments.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2021-06-25
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: Bread Financial Holdings, Inc. (GA)

XX/XX/XXXX {$360.00} XX/XX/XXXX {$1800.00} XX/XX/XXXX {$360.00} XX/XX/XXXX {$8300.00} I been reaching out to the credit companies and these Creditors for 5 months. I have also filed a cfpb complaint on XX/XX/XXXX and on XX/XX/XXXX they stated they would respond back within 30 days.They have yet to send me any proof of these original application with a signature so I can figure out who did these accounts in my name.I have also sent them a notazied affidavit about these fraud accounts. 
The only Creditor who responded was commenity and the sent a letter saying this account was opened around XXXX, XXXX. On my credit report it states this was open in XXXX. This is totally fraud on my credit report.
Consumer complaint received 2018-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (CO)

RECEIVED NOTICE OF COLLECTION PLACEMENT IN MAIL : STATEMENT DATE XX/XX/XXXX FROM EOS CCA ( XXXX XXXX XXXX, XXXX, MA XXXX ). 

" XXXX XXXX HAS PLACE YOUR ACCOUNT WITH US FOR COLLECTION FOR THE TOTAL AMOUNT SHOWN ABOVE ( {$280.00} ). WE URGE YOU TO REMIT PAYMENT TO OUR OFFICE, UNTLESS YOU DISPUTE THIS DEBT. '' I do not and have not had an account with XXXX. I tried to reconcile this with the following EOS CCA phone numbers : Payment account inquiries : XXXX and XXXX XXXX Department : XXXX-XXXX-XXXX. 

My conversations with the reps at EOS CCA were incomprehensible. The reps insisted I give the last XXXX digits of my SS #. I refused. I asked to speak with a manager, and I was given a number to report consumer fraud : XXXX at Ext. XXXX. 

I telephoned that number and asked for ext. XXXX. I was told that extension did not exist. 

I called XXXX, the customer service rep advised I contact XXXX XXXX XXXXXXXX. 

COINCIDENTALLY : I had been getting phone calls from various phone numbers originating from the Arizona area code ( XXXX ) for several weeks, during early morning hours. Messages were not left. Whenever I'd try to call one of those numbers, I'd get a " Your call can not be completed ... '' message. A few days ago, I woke up early and intercepted a call from that area code. The connection was poor. The voice on the other end had an accent from the country of XXXX. He explained I was entitled to a refund for a purchase I never made. He requested SS # and other ID information. When I told him that I would not comply, he hung up. ... I reported this to the XXXX. I was informed that this is a common ploy used to commit identity theft. ... I wonder if there is a connection between these calls and the EOS CCA collection scheme. 

My as well as my wife 's identities have been XXXX several times over the past XXXX years. So naturally, I'm suspicious anytime I get an unexpected call or letter requesting personal information.