davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-04
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: Block, Inc. (KY)

I was informed by Cashapp on XX/XX/2023, that a transaction I completed in XXXX was not debited from my account. However, I've never heard this. My account has been funded numerous times since, and without notice they simply removed money from my account. Here 's their account. We can confirm that an impacted transaction due to the error occurring between XX/XX/2023 and XX/XX/2023 has been resolved and your account has been adjusted to reflect the correct balance. The funds deducted from your account were the funds you previously used to make a payment with the merchant, but which were then incorrectly returned to your account due to a technical error. 

They provided no proof and simply sent this response. I am too poor for them to do this.
Consumer complaint received 2021-03-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Corp Solutions Inc. (CT)

Credit Corp Solutions INC violated multiple laws under the Fair Debt Collection Practice Act. The first violation was 15 USC 1692c ( a ). They sent me mail which is very inconvenient to me. I didn't give Credit Corp consent to communicate with me through any mediums. That in fair is a violation. 

When Credit Corp communicated with me without my consent they stated in a letter multiple time that this debt was mine and that's a clear violation of 15 USC 1692b ( 2 ). They have no right to say that I owe a such debt.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

On XX/XX/year>, I sent a follow up dispute letter to EXPERIAN INFORMATION SOLUTIONS demanding that EXPERIAN INFORMATION SOLUTIONS delete certain accounts because they were initially disputed and came back inaccurate and incomplete. EXPERIAN INFORMATION SOLUTIONS responded to my notice and demand with an additional attempt to reinvestigate the accounts I told them to remove from my consumer report. As of XX/XX/year>, EXPERIAN INFORMATION SOLUTIONS finished investigating the inaccurate accounts that were listed in both letters. These accounts are STILL being reported inaccurately. According to the Fair Credit Reporting Act per 15 USC 1681i ( XXXX ) Procedures in case of disputed accuracy - ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general - If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. These accounts have been proven to have not changed. The accounts in question are still reported inaccurately and they are still incomplete. EXPERIAN INFORMATION SOLUTIONS violated the Fair Credit Reporting Act by continuing to report the inaccuracies. The reporting of the listed accounts is a violation per FCRA 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. How can they verify inaccurate information?? They have violated XXXX Compliance procedures and format for reporting!
Consumer complaint received 2021-03-07
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. (NY)

I have an account being reported that is not mine and the same account is also is reporting different information on the credit bureaus. I have disputed this account several times and the bureaus have concluded it was verified. I asked for the method and proof of verification but never received anything. How can it be verified when the bureaus are reporting different dates for the last activity and last payment?
Consumer complaint received 2023-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

When I signed up for this card to get agreed upon ( Bank of America ) I agree for paperless billing and auto When I didnt get a bill I thought I was on autopay turns out the autopay was not set up and a late payment got posted to my credit report Could you please help me get that removed? 

Sincerely XXXX XXXX
Consumer complaint received 2021-03-07
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. (NY)

I have an account being reported that is not mine and the same account is also is reporting different information on the credit bureaus. I have disputed this account several times and the bureaus have concluded it was verified. I asked for the method and proof of verification but never received anything. How can it be verified when the bureaus are reporting different dates for the last activity and last payment?
Consumer complaint received 2021-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (TX)

yet another bank account blocking my funds for no reason. On XX/XX/XXXX i recieved my tax refund to my Citibank account. well there was some unauthorized transaction for a XXXX dollars on my account, I called CITIBANK to stop payment on that check. well the bank that the check was deposited to refunded me the money so i figure everything was good, well on the XXXX of XXXX i tried to acess my acount but it was blocked. i called CITIBANK again to figure out what happened. they told me they couldnt verify my account.. they used the word unfortunately so much that im starting to wonder why i opened this account. now after my lights got cut off and my landlord harrassing me about the rent, they still didnt resolve the problem. XXXX comes around now mind you im still trying to get this block off but they would unblock it long enough for me to get some money off of.. okay monthly charges are XXXX dollars a month they can acess their money but cant let me into my account.. thats not right. when the new card finally came i got to use it maybe 3 times before they blocked it again. talking about an alert on the account. i called when some of my purchases were declined but i have XXXX dollars in my acount ... now they know i just recieved that card and everytjhing i needed to pay buy or send i was doing until they blocked my card again.. they wont let me transfer the rest of my money out of that account. i have been warned at work for being on the phone with CITIBANK holding for aleast 1 hour for them to tell me UNFORTUNATELY ... its been so stressful my XXXX XXXX is up.. i cant buy food or send my kids to daycare because i cant buy food. im so upset right now.. this just cant be happing again.. please help.
Consumer complaint received 2020-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (GA)

To Whomever This May Concern : First off, this is not a company or agency writing this. This complaint is being submitted by XXXX XXXX XXXX. I am submitting a complaint against Amsher Collection Services , Inc . I disputed a letter that I received in the mail from them about a debt that I do not owe. I asked for verification of the debt. They did not send anything but another letter stating that they have verified it with the original debtor. They have not submitted written proof that I requested showing that this debt belongs to me, which it doesn't. I am not appreciative of them trying to collect a debt that doesn't belong to me. I am also requesting that they cease and desist all phone calls to me.
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I have had multiple reports and disputes filed with EXPERIAN. EXPERIAN has indicated they comply with the Fair Credit Reporting Act. 

MY XXXXE identity Theft Protection XXXX  contractor provided a report from all three credit bureaus. on/or about Sunday XX/XX/XXXX. They had provided a report that was over a year old so I contacted them for additional ID theft services. They furnished a new credit report on XX/XX/XXXX. I have accessed that report and the information that EXPERIAN indicated had  been DELETED has NOT been deleted from the file. 

The report furnished by EXPERIAN to the CFPB went into significant detail concerning the complainant 's responsibility and what they do, but EXPERIAN filed false information with the CFPB indicating the Derogatory information reported in XX/XX/XXXX has been deleted. 

However, based on my review of the current credit report - that derogatory information is still showing on the report. IT was reported on/about XX/XX/XXXX as being removed/DELETED. 

Experian has indicated they have furnished the full report. Their electronic monitoring system and DISPUTE process continuous shows they complied with the 5- day report process upon completion of the of the investigation. This DISPUTE has not been resolved and the credit bureau has failed to comply with Federal statute in accordance with the information that has been reported to me
Consumer complaint received 2022-04-27
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)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : EXPERIAN : XXXXXXXX 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 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 2021-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have made multiple attempts to have Portfolio validate this account. I never got the notification they said they sent and after 3 CFPB complaints then they magically have the notification document and an attached letter they claim was done by XXXX which looks created and not legitimate at all. I have also tried to reached XXXX directly and I have gotten no response. 

Letters sent to Portfolio XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX with a Cease letter on XX/XX/XXXX CFPB complaints XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX - XX/XX/XXXX # XXXX - XX/XX/XXXX # XXXX They have not answered my questions or request as it is required by the FDCPA and the FCRA and continue to report a disputed date without verifying the information. 

-no license provided -no explanation of the charges Bill statements for with due date of XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX with nothing from XXXX then just to XX/XX/XXXX - XX/XX/XXXX -No documentation showing I even own this just a bill no signed agreement -doctored letter made from original creditor and creditor has not responded to my letters -Continuously to report a debt without validating it Every response is the same computer generated response of " verified '' This does not belong to me and if there is no documentation provided and no response from Portfolio with this information or XXXX this account needs to be removed from my credit report immediately. 

XXXX, XXXX and XXXX  also have not provided me with any proof of any documentation that this was ever even mines
Consumer complaint received 2022-04-27
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)

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX : XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX : XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX + XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX TRANSUNION : XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2021-03-07
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: Commonwealth Financial Systems, Inc. (GA)

On XX/XX/2018 a derogatory mark was added on my credit report per XXXX XXXX from XXXX XXXX XXXX and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.
Consumer complaint received 2020-02-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (NC)

Chase manhatten mortgage corporation XXXX XXXX XXXX XXXX XXXX California XXXX A CHASE PRIVATE BANK CLIENT BANK XX/XX/XXXX Telephone XXXX loan # XXXX XXXX XXXX DOLLARS states issued XXXX Certification of satisfaction states XX/XX/XXXX Tax map # Signed by XXXX XXXX vice president XX/XX/XXXX Grantor XXXX XXXX TRUSTEES XXXX XXXX AND XXXX, XXXX NOTARIZED BY XXXX XXXX XX/XX/XXXX City of XXXX XXXX, california XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX California XXXX Phone XXXX Prepared by XXXX XXXX /XXXX  My sole owned and deeded property XX/XX/XXXX GPIN # XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX  XXXX va XXXX to me clear and free of all debts and clear of title and clear of anyone ever having any rights to this property as example future spouses etc as recorded in XXXX XXXX XXXX  XXXX Virginia ..my divorce from XXXX XXXX ..as per deputy XXXX  deeds register email of documents to me in XXXX. 
SOME ENTITU SET UP A CHASE PRIVATE CLIENT ACCOUNT FOR ME XXXX CALIFORNIA AS A TRUST AND WEALTH MANAGEMENT SERVICES ... .AND THEY HAVE BEEN CONTROLLING MY LIFE. CHASE PRIVATE CLIENT BANK REVEAL MY IDENTITY THIEF I want my identity and my solely owned monies reimbursed to me from these accounts for to failure to protect and secure my personal information under our laws .... MY IDENTITY THEFT IS REGISTERED AT FTC ... I reported it since XXXX and fraud activities done in my names and SSN # addresses phone etc. I am again reaching out to Chase XXXX left XXXX XXXX numerous voicemail emails and faxes of my evidence in this matter. I have asked her to give me a specific time and date to discuss these matters. I AM AGAIN REFUSED BY CHASE. I rwquested a financial crimes specialist yo investigate and contact me from chase again last week. No response. Chase private client services send me my info relating to all transactions and where my monies are or were transferred to so I can continue to climb the federal agencies of the USA TO LOCATE MY IDENTITY THIEF AND MY MONIES.
Consumer complaint received 2021-03-07
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: Convergent Resources, Inc. (GA)

On XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX, Convergent XXXX and XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt ad anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2019-01-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (TN)

I have called and mailed letters on several occasions regarding accounts opened fraudulently in my name and I included the Official Affidavit form, Federal Trade Commission Identity Theft Report and Local Police Report. The company keeps on responding with a denial letter which changes each time. One denial letter will state that Merchandise was shipped to customer 's verified address which nothing was ever delivered to my address and I have asked for signatures to prove who was signing for these items which they never would provide. I also asked for a copy of the application in my name which they refuse to provide and also the information used to open the account does not match my information along with the security questions do not match my answers. I never applied for any credit card and there have been several opened with Synchrony Bank and they refuse to accept that this is Identity Theft. The other denial letter states that the account opened greater than 1 year with verifiable payment history which they say was made using a XXXX XXXX  account. I have never had a XXXX XXXX  account and have definitely not made any payments to this company. They also state that customer benefited from use of card/participated in the purchases. I have never even received a credit card from this company and have definitely not participated nor benefited from any purchases. Synchrony Bank is a Fraudulent company who refuses do accept that I am a victim of Identity Theft.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXXXXXX Account Number : XXXX UNUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2020-08-01
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Berlin-Wheeler, Inc. (Kansas) (AR)

COLLECTOR FAILED TO CEASE AND DESIST COLLECTION DURING CORONA 19 ALSO, IGNORED CEASE CALLING MY DAD ( XXXX ) XXXX CALLED 11 TIMES AFTER CEASE HAVE SCREEN SHOTS.
Consumer complaint received 2020-02-05
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$500.00} -This is not my account.