davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

From XX/XX/2023 - XX/XX/2023 {$57000.00} were charge and deducted from my Chase bank accounts. I contact the bank and dispute this charges were not made by me, the charges were from two companies - XXXX and XXXX. I've use this companies in the past and never use that much money and stop using this companies as of XX/XX/2023. In XXXX and XXXX the total amount were {$57000.00} I contact Chase bank and they denied my claim because they said their were emails sent to me regarding this and that they said I press confirm in the email which I not confirm any emails. I did not use or authorized this charges to my account, and Chase bank is pointing finger to tell me go talk to someone else because they refuse to refund me this amount when I did not or authorized this charges.
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (MA)

Complaint # XXXX was closed Inappropriately. 

Federal & State Banking Laws REQUIRE That a dispute process be followed by the Credit provider and bank. Synchrony Failed to comply with the Required process, and state, Federal & Regulatory Banking Laws & Regulations. For that I am Unsatisfied with the mishandling and improper closure of the above file. I want it re-opened and instruct the bank to find the dispute in the consumers favor as required by law. 

Further, This bank & merchant committed Bank fraud and a Ponzi scheme by charging multiple persons for the same singular purchase. In effect requiring the Consumer to give this merchant & business an interest free loan by a consumer! 

The merchant Violated the contract honoring the lowest price after the sale. 
The merchant XXXX XXXX XXXX Responded multiple times to a totally irrelevant and non related matter to my dispute. There by requiring that Synchrony Bank Close the Dispute and rule in the consumer 's favor as required by Law and banking regulations governing how disputes are to be processed and handled. 

This complaint needs management review and an order to Synchrony to close the dispute correctly in the consumer 's favor.
Consumer complaint received 2019-04-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NJ)

Good afternoon, I am filing a complaint against the LVNV Funding for placing a Bank Account Levy on my husband 's account. This took place on Wednesday, XX/XX/2019. XXXX XXXX stated they had a court order, which I never received any paper work stating I was being sued. I just received in the mail on Saturday, XX/XX/2019 a letter regarding to contact Mr. XXXX XXXX-XXXX to make payment arrangements. This letter was received after Levy was already put on my husband 's account. 

My husband had {$1200.00} in his account, which is frozen at the moment. This was done on Wednesday, XX/XX/2019. The Levy was on me for a credit card I had before our marriage. My name is on the account for emergency purposes and due to I pay the bills using my husbands account. I do not have any funds going into that account. I send my husband {$1000.00} a month for my part of the rent. Other then that, there's no other monies of mine going into this account. I have stated this to them several times. I have submitted all documents they requested proving that the funds in this account belong to my husband. They have requested 3 months of bank statements and I sent 4, then they requested copies of his pay stubs, which I sent them 5. After sending every request to them I had to wait 3 hours to contact them, and when I did it was never sufficient. This third party LVNV is requesting information we can not give them. They are requesting for a bank statement showing when the Levy took place, which does not show on my husbands statement. We went to the bank and requested a copy, but they denied us a copy. XXXX XXXX stated we needed to wait for the copy they mailed to us. We told XXXX XXXX this was needed immediately and could not wait for the copy that was mailed. We were continuously denied information on my husband 's account. 

The Credit Card I supposedly was sued for was XXXX XXXX, which was bought by LVNV Funding/Attorney XXXX ( a third party ). 

I have attached the letter which I mentioned above, which was the only letter I received regarding this matter. Also, as I mentioned above, this letter was received after the fact of freezing my husband 's account. 

The docket number is : XXXX XXXX Respectfully Yours, Mrs. XXXX XXXX
Consumer complaint received 2018-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I can't temporarily unfreeze/lift my credit report at Experian. After three attempts, each ending in a system failure, see error below, I tried to identify the correct customer support phone number on their website. Their website contact information options are quite clear : there is no way to get support on this issue. So I am reporting it. The error I received is provided below : We are very sorry, we seem to have run into a technical problem with our system and are unable to complete your request at this time. 
Please try again in a few minutes. If the problem persists, contact customer support. 
Error Information Http Status 400 Group 11
Consumer complaint received 2023-03-18
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00}.
Consumer complaint received 2023-03-18
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX Balance : {$0.00} ; 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 XXXXXX/XX/XXXX.
Consumer complaint received 2023-03-18
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. (NC)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 2020-12-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (NY)

I have tried several times to dispute this account, but this DSNB/MACYS 's account is still on my report, and negatively affecting my score. 
DSNB/Macys 's account has passed the statute of limitations, but on my credit report a debt with an expired statute of limitation is still listed. 
Please find attached file. 
For Citi 's account number is XXXX.
Consumer complaint received 2023-08-14
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: Experian Information Solutions Inc. (GA)

Under the fair debt collection practices act 15 us 1692 ( b ) ( c ) ( g ) by laws I did not give this collection agency the right to place/furnish anything on my credit report. They are in FDCPA violations, I have a right of protection from disclosing my debt/information to others by law it is the consumer reporting agency resposibility to protect my rights from furnishing my credit report with the following documentation such as Consumer statements, Public remarks, Closed accounts, Inquiries, Closed statement remarks, Late payments/remarks/Victim of fraud statements on all three credit beuruas XXXX, XXXX, experian
Consumer complaint received 2022-10-19
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: OPORTUN FINANCIAL CORPORATION (AZ)

I reported the charges as fraud and closed the card and got a new card. the credit company has not issed credits for the fraud. i called they ssaid it is under investigation and not issueing credits not time frame is given//bank is oportun XXXX
Consumer complaint received 2023-03-18
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: EQUIFAX, INC. (GA)

In accordance with fair credit reporting act. 
The list of accounts below has value my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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. Has violating my rights. 15 U.S.C 1681! Section 602 A states I have the right to privacy .15 U.S.C 1681605 A section 2 : it also states a consumer report, and she can not furnish account, without my written instructions.15 U.S.C 1681c ( a ) ( 5 ) section States : no, consumer reporting agency may make any consumer report containing any of the following items of Information, other than records of convictions of crimes Which antedates the report by more than seven years.15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable call to believe that the information is inaccurate.
Consumer complaint received 2023-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (GA)

I received a check from the bank XXXX XXXX and deposited to my bank, Chase. Chase then suspected fraudtold me the check had already been deposited, wouldnt release funds, froze my accounts. I have proof the check was cleared at XXXX XXXX. Chase is now closing my account, not giving me the money, and said they will send me any monies owed to me!! I have no way to obtain any money right now. This was a check drawn against my fathers trust/will.
Consumer complaint received 2023-03-18
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. (AR)

This complaint is a follow-up complaint in line with my previous attempt. I need you to remove or block the reported items in my file for I believe they are erroneous. 
XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/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 XX/XX/XXXX
Consumer complaint received 2022-12-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KINGS CREDIT SERVICES (CA)

This debt was established and went to court in 2014, I missed the court date but have since given them court documents where I am only responsible for half the debt. They have told me they don't care and have attached my wages for a large amount- like 30 %. I have a signed court order- where my ex spouse is responsible for thee debt and they have ignored it. 

I am a one income Household supporting XXXX kids, one of which has started college and they refuse to decrease the amount being attached. 

I pay over {$600.00} dollars a month to this company and STILL EACH month they place a negative point on my credit report because interest has gone up. 

I'm in the state of CAlifornia and I don't believe this credit agency Kings CREDIT has acted lawfully or in good faith when it comes to ignoring my request and ignoring the court order given to me by a judge in a courtroom of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-22
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. (TX)

I have been sending letters to XXXX in regards to an alleged XXXX XXXX XXXX loan asking them to verify an alleged debt with proof of original documentation, but they have failed to do so. I have asked for them show me their Method of Verification and they did not send it. I am worried that they are not actually investigating my dispute and are using the e-Oscar system instead, which I did not consent to.
Consumer complaint received 2020-12-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (NY)

My account which I would like to address today is my mortgage with Loandepot Account # XXXX I notice a late pay reported in XX/XX/2020. During that time I was unable to make my payment due to Covid-19 I. When I was well enough to work I did make the payment immediately. I did get a financial accommodation done were the fees were waived and based on the CARES ACT if any accommodation has been made no late pays may be reported to the consumer reporting agencies
Consumer complaint received 2023-03-18
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. (NY)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-04-29
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: EQUIFAX, INC. (TX)

Hello, I am a victim of identity theft and have been trying to get the credit bureaus to remove the following accounts that have to do with this theft. The following accounts are a result of identity theft : With XXXX  : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With Equifax XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  I keep asking them to remove these items and block them due to the identity theft but they just give me a generic response making me wait 30 to 60 days and the theft remains.
Consumer complaint received 2020-02-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (OR)

I attempted to open an account with PNC bank to take advantage of their compensation if you get direct deposit. PNC bank opened multiple accounts in my name then sent me notices saying they were all closed. In addition, they sent me a card but I have been unable to access the account online and customer service is of no assistance. I am unsure how or why they would have done this in the first place. My concern is that they are actually using these fake accounts in my name to borrow money under my social security number. Im asking for an investigation into whether PNC is opening extra fake accounts in customers names then sending them notices that they are closed. Thank you
Consumer complaint received 2018-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (FL)

On XXXX XXXX in the late afternoon I called AMEX platinum card, where my husband was the primary card holder. My husband passed away on XXXX XXXX. I called to close the account on which I was a secondary card holder. I was told by the company that if I did not pay the balance of {$3300.00} by the end of that day that the account would be turned over to a collection agency. Out of fear, and being in shock still from the death, I was intimidated into paying these expenses immediately. 

Now that I have spoken to others I am being told that this was a brutal abuse to avoid having the company insurance pay the balance and that I should not have been held responsible for these expenses nor should I have been threatened into paying this immediately, especially in such an emotionally vulnerable state. 

I feel completely abused by the disgusting display of brutality and abuse from a company that charged hundreds of dollars a year in fees and proceeded to keep my husbands earned points and blackmail me into paying medical bills and funeral expenses under pressure. 

I will add that these recent expenses were spent on my husbands medical bills for his XXXX treatments and his cremation expenses. Is it necessary for AMEx to steal from a heartbroken widow?
Consumer complaint received 2022-12-14
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Medical Data Systems, Inc. (GA)

I spoke with a debt collector on XX/XX/14. She was verbally abusive, after the company refused debt validation from previous mailed letter requested. The debt collector refused to provide any information other than demanding me to pay the debt without any proper validation and used threatening language during the call.
Consumer complaint received 2022-12-14
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX USAA rep informed me XX/XX/XXXX statement shows USAA BEGAN their Fraud Investigation the day I reported it on XX/XX/XXXX with Adjustment Purchases of USAA Credits. This is shown on the statement. 1 ) How could there be 6 Fraud Credit Reversals * BEFORE THE FRAUD WAS REPORTED ON XX/XX/XXXX??????? 2 ) What happened with the 17 Adjustment Purchases BEGINNING Fraud Investigations. Six ( 6 ) were REVERSALS * BEFORE THEY WERE REPORTED. USAA. What happened to those NOT REVERSED? So why is USAA NOT ACCOUNTABLE FOR THE FRAUD? There are NEVER 2 CREDITS FOR ONE PURCHASE TO REVERSE?