davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-29
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: Experian Information Solutions Inc. (CA)

There was an accident reported that I was at fault. It was a hit and run. I avoided hitting another by hitting the curb instead no way to avoid. 

I was applying for a job and they did a background check and denied me the position because of that.
Consumer complaint received 2022-07-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX I deposited a check to Chase bank to be placed in my landlords account for our XXXX rent payment. The check was for {$1800.00}. This check cleared our account and the image of the check we received has a stamp from Chase bank showing they processed the check. 
The funds from this check did not reach my landlords account, but the money has been removed from mine. 
I have been in contact with Chase bank on two separate days XX/XX/XXXX and XX/XX/XXXX. They insist that this is not their problem and refuse to talk with me further about this problem. 
My landlord has also been in contact with Chase bank, and they have not provided him with a solution to this problem either. 
So now he does not have our rent money, but the rent money is gone from my account. He has provided images of his own account showing there is nothing there. 
I have also talked with my bank on the XXXX and XXXX of XXXX about this problem. They tell me that since the funds have officially cleared and there is clear evidence that Chase has withdrawn the money, there is nothing more they can do on their end.
Consumer complaint received 2018-08-29
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. (CA)

Upon obtaining my annual credit report, I requested a debt verification from all 3 credit bureau in regards to a charged off account from XXXX XXXX XXXX that was listed on my report. I sent an e-mail to XXXX XXXX XXXX on XX/XX/XXXX for verification as this was an unfamiliar account that I had not seen before on my credit report. I received no response back the same week however on XX/XX/XXXX, I received a letter from XXXX XXXX XXXX. I had hoped that the letter would provide any documents to validate this account however, the letter simply stated what was on my actual credit report and only listed when the account was opened along with when the account was charged off. 

Per XXXX XXXX XXXX letter, the account was opened on XX/XX/XXXX and was charged off on XX/XX/XXXX. The letter also stated if any inaccurate information was listed, that I should contact the XXXX credit bureaus directly to dispute and resolve. 
With that information, On XX/XX/XXXX, I sent a notarized letter requesting validation on this account listed under XXXX XXXX XXXX to Experian, XXXX & XXXX. After sending the letters, I received no response back in 10 days. I decided to write a follow-up letter to all 3 CRA on XX/XX/XXXX requesting validation of account once again. As the days went by, I received no letters back from any of the CRA so on XX/XX/XXXX, I sent another follow-up letter requesting validation. Keep in mind, this was my 3rd attempt in contacting the credit bureaus in hopes that I would get any sort of answer back to assist in this issue. 

On XX/XX/XXXX, I received a letter each from both XXXX and Experian. Below is what was listed on the letters that were sent to me XXXX = Stated that they are currently processing my previously submitted dispute and will not be conducting further investigation into this particular account at this item. 

Experian Did not provide any documentation but rather just listed terms and explanation on how the verification process works. I had already sent them 3 detailed letters requesting validation however this was the only letter I received from them. 

XXXX  As of XX/XX/XXXX, I have not heard back or received any answers via mail, e-mail or telephone.
Consumer complaint received 2021-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (LA)

There was a XXXX account that was opened in my name through XXXX XXXX.That account was closed by XXXX XXXX letter dated XX/XX/2019 because of fraud i have the letter.The account number was XXXX, XXXXXXXX XXXX sold the account to ( XXXX XXXX XXXX under a new account number after knowing that the account was fraudulent that account number was XXXX that this account was opened XXXX Now that same fraudulent account is with MIDLAND CREDIT MANAGEMENT INC they are trying to sue me after a cease and desist letter was sent to them to stop any collection activities. 
XXXX XXXX XXXX, XXXX has the account XXXX # XXXX
Consumer complaint received 2018-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RMS-Recovery Management Services, Inc. (OH)

OK, I get this letter from a collection agency for {$630.00} for a college in Arizona ... I have never even thought about them or their college, my public records will show i have lived in XXXX, Ohio for my entire life ... and i called/yelled at them, yes, because they threatened to report it to the credit bureaus, n it's not even real, and i was hot, i have kept my score good all these years n here come these wackos telling me i owe a bill that i know doesn't/could n't exist ... so i studied online n i did my legal thing i disputed it certified mail with return receipt, which i got back, so i know they received it ... so within 30 days i wanted something/anything ... so i could fight that too, but in 30 days they sent me a SINCE WE HAVEN'T HEARD FROM YOU letter n i called n cussed out that lady n they just sent another ... they are harassing me, it's not real, n since then i have received a notice that my car whatever was expiring ... i do XXXX XXXX don't even have a license for 15 years, and it's from the same state so i figure they are harassing me more, i want them to leave me alone, i don't owe anything in collection, im all up to date, and i'd like to take legal action, because this is disgusting ... i went and scanned /usb 'd my docs so you can see for yourself, and thank you for listening, i want to cuss so bad ... XXXX
Consumer complaint received 2019-01-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent, unauthorized accounts to my credit file. 
As a result, I disputed this identity fraud with this company on XX/XX/XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to prove my case. But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. 
Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. 
For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. 
The following is the fraudulent account with late payments/charge offs status that I need removed by this company : XXXX XXXX XXXX Account REF #  XXXX, Original Balance {$7000.00}, Date Opened XXXXXX/XX/XXXX am attaching the dispute letter/documents I sent to this company on the XX/XX/XXXX and my small claims forms, in case they need to reference or review.
Consumer complaint received 2018-09-02
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. (OH)

I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). 
The specific information is not accurate. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX There are phone numbers that are not mine that I need removed ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
Consumer complaint received 2018-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

XXXX/XXXX  have recently reported myself & my husband as 30 days late for XX/XX/2017, on both of our credit profiles. This is ABSURD, as I have always made my payments on time and am showing a status as " current and up-to-date '' each month, on my credit profile from the date that they reported it until present. Please investigate. This is a fraudulent report!
Consumer complaint received 2018-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (CA)

I recently applied for and was approved for a Discover it cash back rewards card. The promotional mailer I received via XXXX, as well as their website, and terms, all state the promotional introductory APR of 0 % for 14 months for new purchases, as well as a balance transfer APR of 0 % for a period of 14 months. Additionally, all their terms very clearly state that depending on creditworthiness your APR will vary between 13.74 % and 24.74 % after the promotional 14 month period expires. 

Upon receiving my card in the mail a few days later, the printed agreement I received had completely different terms, other than what was advertised. I received no promotional APR for 14 months, and a completely different balance transfer APR of 10.99 % for 6 months. 

After immediately calling customer service and speaking to a variety of managers, it was explained to me that they reserve the right to alter or change what is actually given in terms of APRs, intro rates, or promotions, based on my creditworthiness. A customer service rep was able to approve a 12 month offer of 0 % APR for new purchases, but could not alter or give me the advertised balance transfer APR. 

Absolutely no where in the fine print in my mailed offer, on their website, or in the terms of the application which I downloaded, does it state that the actual offer itself is contingent on my creditworthiness. It only states, and very clearly so, that the APR given AFTER the promotional offer expires will fluctuate based on my creditworthiness. 

The sole purpose of my applying for this card was to take advantage of the balance transfer option. Their mailed and printed advertising is grossly misleading, and Discover was unable to give me the offer as advertised.
Consumer complaint received 2023-04-08
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

I was shopping for a handbag at Bloomingdales Valley Fair in XXXX XXXX, California on XX/XX/2023. I found a handbag I liked that cost {$2400.00}. The sales associate told me that if I applied for their store credit card and purchased the handbag with the card, I would receive 20 % off the retail price in the form of a credit and I would see the credit on my credit card statement. The sales associate even tried to persuade me to buy the matching wallet because my credit of roughly {$500.00} would almost pay for it. I did not purchase the wallet but I made a mental note so I would know how much to look for on my statement. When I received my statement, I was only credited {$270.00}. I called Bloomingdales credit card services on XX/XX/2023 to report the error and request a credit for the remaining amount. I was told that the sales associate provided misinformation and that there was a limit of {$250.00} for the credit card promotion. This really didnt make sense since I was credited {$270.00}. They offered to credit me another {$10.00}, which is well below the amount I am owed. They did not resolve this issue. They also told me this is a common complaint they receive because many other customers have been deceived by sales associates offering this same credit card promotion.
Consumer complaint received 2022-07-09
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: Westlake Services, LLC (OH)

In Accordance with the Fair Reporting act XXXX Account, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-08-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (GA)

In XX/XX/XXXX, I ported my number from XXXX to XXXX XXXX and had a remaining balance. I contacted XXXX about my final bill and was informed that the final statement with all the cancellation notices would be ready by the next billing cycle at the end of XX/XX/XXXX. I contacted XXXX on XX/XX/XXXX to inquire about my final statement and I was informed that it would be mailed to my new address. I waited the required 14 business days but never received the statement. Between XXXX and XXXX I called three times requesting the bill. During that time Diversified Consultants contacted me regarding the bill. I disputed the charge and informed them that XXXX has not sent me the final statement. Diversified Consultants was suppose to confirm the debt with XXXX. On XX/XX/XXXX I spoke with XXXX and the call transcript number is XXXX who stated that the bill was not sent and that she would process another bill sent to me. Also during that conversation I was informed that my account would not be referred to collections and that a message would be let in the notes to not process for collections. It has been over a month and the XXXX statement still has not come to my address for view. On XX/XX/XXXX I checked my credit report and observe a collection account was added from Diversified Consultants. I contacted XXXX at XXXX and spoke with XXXX # XXXX on a recorded line who confirmed that the a note was left to process another statement but could not confirm if it was sent. I asked that the statement be emailed to me but she refused and referred me to go to a XXXX store and obtain it. I then spoke with her about the collection on my credit report and she stated that the account was being handled by the XXXX back office team whom I was not able to speak with because they have no direct number. XXXX then confirmed that the account was closed via XXXX database but they would still take payment on the account. XXXX confirmed that the account was being handled for collection purposes only by Diversified Collections and that they were not authorized to post negative information on credit reports. XXXX also confirmed that XXXX was still the legal owner of the account and that the account status for the account with XXXX was closed. At XXXX pm I spoke with XXXX at Diversified Consultants who them transferred me to XXXX in compliance at XXXX pm on a recorded line. I explained the situation to XXXX surround the collections action and the XXXX. XXXX stated on a recorded line that the collections account with Diversified Consultants would be closed and that it would be returned to XXXX. She also stated that the collection account reported on my credit report would be removed.
Consumer complaint received 2018-08-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION (MD)

I used my M & T Bank XXXXDebt card to purchase several baby shower gifts from XXXX. One of the gifts was a " gift card ''. When I gave the gifts, I discovered that the " gift card '' had no value ; the amount I stored on the card had been fraudulently used. I reported the issue to XXXX, their customer service informed me the way to handle it was to report the issue to my Bank. I sent M & T Bank the incident report and reply from XXXX requesting that they charge the transaction back to XXXX and return the funds to my checking account. XXXX XXXX XXXX first refused.. then required I send more documentation.. then applied a temporary credit.. then removed the temporary credit. And informed me they would not return my credit. ( this reversal also allowed M & T bank to create a overdrawn condition on my account and charge me a fee for the negative balance..
Consumer complaint received 2023-03-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

Paid this debt in XXXX. Several disputed through XXXX and still not resolved. FALSE reporting to the credit Bureaus. As of TODAY It says it is still OWED AFTER is was paid in XXXX Several attempts called to Nissan and was told there was NO telephone number to talk to anyone in " that department ''. This can hurt my XXXX XXXX in the XXXX XXXX and this needs fixed. Please REMOVE this from my credit.
Consumer complaint received 2023-03-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mountain Land Collections, Inc. (UT)

This company has lied when they said they contacted me. I have proof that they have not mailed anything to me. I have the US Postal Service information that shows every single mail that has been delivered from XXXX.
Consumer complaint received 2018-08-29
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: Credit Karma (VA)

I reported Identinty theft when I noticed. A lot of things on my credit is not me I filed the proper channels immediately but still Im the one wiped out my bank account credits cards max out and my social security and all my personal info being spread around
Consumer complaint received 2018-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm sure I did not add ( address ) to my credit report. 
I will assume at this point that is is a typo considering the lay out of a 10 key. 
( Address ) is NOT MY ADDRESS My address is ( Address ) I do not reside in XXXX XXXX I live in XXXX XXXX.
Consumer complaint received 2024-03-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXXXXXX XXXX Account Number XXXX Dear XXXX XXXX XXXX, I am writing to dispute the debt collection notice I received from your company dated XX/XX/2023. According to the notice, I owe {$630.00} to XXXX XXXX However, I am disputing this debt for the following reason ( XXXX ) : XXXX XXXX XXXX is violating your consumer rights by using false misleading, misrepresentation and deceptive means. XXXX XXXX XXXX has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) I was incarcerated at the time the account was open In support of my dispute, I am attaching the following documentation : Letter Of incarceration I request that you immediately investigate this matter and cease all collection activity until the dispute is resolved. Please provide me with written confirmation that my dispute has been received and is being investigated within 30 days, as required by the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I request the following information : The name, address, and phone number of the original creditor. A detailed breakdown of the charges and fees associated with this debt. Any evidence you have that I am legally obligated to pay this debt. Please be aware that if you fail to validate the debt or continue collection activity after receiving this dispute, I may pursue legal action against your company. Thank you for your time and attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-02-08
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: CBC Companies, Inc. (NY)

There are numerous inquiry on my report that are fraudulent. 
Here 's a list of fraudulent inquiries : XXXXXXXX XXXX - date as of XXXX XXXX XXXX XXXX - date as of XXXX XXXX XXXX XXXX - date as of XX/XX/XXXX XXXX - date as of XX/XX/XXXX XXXX XXXX - date as of XX/XX/XXXX XXXX