davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-05
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (NV)

I 've called and called and called and called and called sooooo many times about this account, still no luck. This account was opened fraudulently and I 've reported it several times and called about this credit card dozens of times. It seems that I get put on hold for long times, transferred around to different departments, my calls get disconnected, I get told different answers/responses, and so on. This company is going to have a lawsuit if they can not process a dispute correctly. I am so lost and do not know what to do, I ca n't get through to anyone. I 've been dealing with this for almost two years now. I ca n't seem to get a solid answer about this account nor will this bank remove it from my name. They claim I opened it because of payments that were applied to this account that I did n't make. I 've made a large payment recently to pay off the balance but they returned my check because there was no account found to the check, false. I have a checking account with XXXX and it is open, they just refused the check. So either way, I guess I ca n't pay off the balance. I made a large payment because they told me that I am going to be rebilled for some transactions and to prevent this from hurting my credit. Sometimes I am even told by Chase reps on the phone that my account is not accessible by them and that they have to get me to a different dept. that ca n't access my account either. So it 's like I am stuck in a hole and ca n't get out! At this point, I feel that Chase does n't want to assist me with this matter and that they do n't want to take a loss. But I have every right to request for this to be removed from my liability since I did not open it. Furthermore, my drivers license ID was stolen around the same timeframe for this matter. I 've even tried disputing the charges to get them removed, still they denied it. Just because the information on credit card applications and ID 's match does NOT mean that it is me, it could be someone that looks like me. WHICH IS ID THEFT!!!!
Consumer complaint received 2015-09-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

For at least 6 months a company calling themeselves Portfolio Recovery have called me at least XXXX times from various telephone numbers ( recently on XXXX/XXXX/2015 from XXXX ) at my telephone number using robocall. They leave a telephone # to for me to call. I have called this telephone # and instead of they telling me the name of who they are looking to collect from, they insist that I give them my name. I told them that for privacy reasons I do not give my name to any caller that calls me and do not give the name of who they are calling. I have told them several times not to call me back as I have I do not owe anybody. I have even run a credit report on me and on my wife and there is nobody trying to collect from us nor are there any overdue accounts. They have no right to demand that I give them my name. They should only ask for who they are looking to collect from, at which time I would tell them whether I am that person or not. I consider this harrassment and an attempt by them to invade my privacy. They must be harassing a lot of innocent people, most of which do not know how to complain. The company can use my telephone # to match me against their records ; but I will not give them my name. I am also in the National Do Not Call registry.
Consumer complaint received 2018-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am sending this letter in regards to the fraudulent accounts your company listed on my credit report. I am disputing the accoutns as internal disputes, and I am sending this letter as an affidavit. The accounts seem to be an error and I am demanding that you remove the accounts within 48 hours of receipt. According to HIPPA you have violated my rights and have violated my rights within the FCRA sections 609, 611, 612. I have contacted you several times about this incident and you have ignored my certified letters from the past dating back since 120 days ago. I really dont appreciate how your company is treating me as a consumer and I have contacted the FTC, and my attorney generals office. My next step is to go file a lawsuit upon your response. I dont appreciate the disprespect and the ignoring you have done. The fraudulent/error accounts that your have been reporting are XXXX XXXX, XXXX XXXX XXXX XXXX. I also noticed fraudulent inquiries as well and I am unaware of the errors you are reporting. TRANSUNION 1. XXXX XXXX 2. XXXX 3. XXXX XXXX 4. XXXX 5. XXXX XXXX 6. XXXX 7. XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX : 1XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7.XXXX XXXXXXXX 8. XXXX 9. XXXX XXXX XXXX
Consumer complaint received 2016-05-22
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Caller, XXXX, phoned on Sunday. I asked her to please not call on Sunday. She ignored my request and kept on talking. I tried on at lease two occasions to interrupt and then asked to speak to supervisor. I was connected to supervisor who told me I would be removed from call list. I believe I was a victim of harassment on XXXX part in that she talked over me and ignored my request to not be called on Sunday, a religious day of rest from conducting business.
Consumer complaint received 2015-06-10
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Portfolio Recovery Continues to call at approximately XXXX XXXX even though I have 1. Identified myself 2. Told them to put me on their Do Not Call List. This is at least the XXXX time they have called AFTER I told them to put me on The Do Not Call List. They never leave a message. I only know it is them because my landline stores all my calls on my Caller ID. Whatever debt I may owe is close to 7 years old and is soon to be removed from Credit Reporting Agency Reports. This alleged debt has ballooned from approximately {$400.00} to approximately {$2000.00}.
Consumer complaint received 2016-03-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (AZ)

This is a complaint about Paypal Credit. Their collections have been calling me for months saying that I have an outstanding debt. I have repeatedly told them that I do not. I finally pulled my credit to see if an account was actually opened fraudulently. My credit is clean. So yesterday when they called I told them what I had done and that I have no account with them. They said that they do not report those credit institutes. What kind of scam credit card company can be in business and not report to the credit institute? This can not and should not be legal. They need to be shut down.
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TRANSUNION HAS BEEN REPORTING A ACCOUNT WITH XXXX  AUTO AS A REPO WHICH IS INACCURATE. THIS WAS REPORTED ON XX/XX/2020 BUT NO ACTIONS HAS BEEN TAKEN TO REMOVE. 
ALSO A ACCOUNT WITH CREDIT COLLECTION SERV IS BEING REPORTED AGAINST ME AND THATS NOT MY ACCOUNT. THESES ARE VIOLATIONS OF THE FCRA AND I WILL BE SEEKING LITIGATION IF THE TWO ITEMS ARE NOT DELETED IMMEDIATELY. IVE ALSO FILED A COMPLAINT WITH THE FEDERAL TRADE COMISSION IN REFERENCEC TO THE MATTER.
Consumer complaint received 2016-08-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Merchants Credit Assoc. Inc SC (SC)

Merchant 's Credit Association In XXXX , SC is attempting to collect XXXX accounts from me, both of which I do not owe. XXXX they state is for {$76.00} and the other is for {$48.00}. My insurance covered these services and I was never told that I had any balance owing. I have disputed these claims with this collection agency and have had no response to my disputes or request for proof. They are reporting these items to the credit bureaus fraudulently and I want them removed asap. In addition to trying to collect on money that is not owed, I have received harassing/threatening phone calls and letters even after I have asked them to cease communication due to the rude and unprofessional way in which the representatives have addressed me when I try to dispute these claims. One letter I received dated days after I last disputed these accounts was demand for payment, ignoring my previous disputes. They stated they will use whatever available means they have to collect, but do n't indicate exactly what they mean by that. The letter goes on to inform me that my name may be listed on a " XXXX XXXX XXXX '' that employers and creditors have access to, and that these erroneous charges may affect future purchases and job opportunities. I find this to be very threatening, especially since I could not locate any information on a " XXXX XXXX XXXX. '' This all seems to be very misleading. I have attached a copy of the letter for XXXX of the XXXX accounts this company is claiming that I owe.
Consumer complaint received 2023-04-03
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. (CA)

This is my multiple requests 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-06-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (CO)

The company Midland funding has filed a lawsuit against me, after that the original creditor XXXX XXXX has investigated this identity theft and dismissed all debt, The collection company was contacted by XXXX XXXX and informed to cease-and-desist, The bad debt was bought back from Midland funding by XXXX XXXX, yet Midland funding is still trying to collect on the debt they no longer own and also has been found to be under identity theft and has been investigated, I have giving copies letters from the original creditor to Midland funding 's attorneys and the attorneys still persist on suing me for debt that they do not own and have been told that it is under identity theft, also copies of the FTC identity theft reports and police reports and they still ignore that this has been found to be identity theft. I have spoken with XXXX XXXX the original creditor and they are going to resend all their letters to Midland funding. Not only am I being sued for debt that I do not own and that debt that Midland funding does not own but this is also in my credit reports in which they refuse to remove from my credit in which is stopping me from buying a home. I have paperwork with XXXX XXXX 's account numbers and Midland funding 's account numbers on the same letterhead from Midland funding I have also brought this to light and that this was dismissed By letter from XXXX XXXX. Please any help with this would be appreciated.
Consumer complaint received 2024-01-26
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. (GA)

Salutations, My name is XXXX XXXX, I am writing to alert the credit bureaus of improper use of my reports. Ive certified mail my FCRA letter, ( attached below ) last month and yet to receive any correspondence. 

Firstly, I would like only my name to display on the report which is XXXX XXXX XXXX Every other spelling please remove. 

Also would like only my main residence to display : XXXX XXXX XXXX XXXX XXXX GA, XXXX Every alternate or additional address please remove.

According to 15 U.S. Code 1681a - Definitions ; rules of construction late payments are merely experiences, they should not remain on report once paying as agreed and resumed positively.

Kindly remove ALL late payments from each report.

I will also like any and all inquires removed as well, as I have not given any permission to inquire on my behalf, along with selling my information to third parties, and other consumer reporting agencies. Would like the report to reflect positively where all closed accounts especially the repossession, they are not needed, the debts been discharged and offset by XXXX  XXXX XXXX. This is heavily weighing my scoring factor down. 

Again, Ive attached a FCRA letter for your review.

Thx and I hope we may resolve this matter in a speedy manner. 

XXXX : XXXX XXXX
Consumer complaint received 2019-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (OH)

I was charged for two purchases from Amazon that I did not purchase. The first item was a toolkit ( {$32.00} ) on XX/XX/XXXX and the second item is book ( {$270.00} ) on XX/XX/XXXX. The items arrived with no packing information. On XX/XX/XXXX, I informed Amazon of the purchases and they admitted email tied to the transaction was not mine and thus it would not show up in my order history. They ensured me that no further purchases would occur. 

On XX/XX/XXXX, I then called Chase Credit cards and they promptly turned off the card number used in the purchases, issued me a new card and opened an investigation. The charges were removed from my account. 

On XX/XX/XXXX, I received a letter from Chase Bank Card Services informing me that my dispute was denied with the reason being " You received benefit from this transaction. '' On XX/XX/XXXX, I called the number on the letter and the worker on the line repeated what the letter said. I think she sensed my disappointment and promptly contacted Amazon with me on the line. The Amazon worker said they couldn't allow me to return the items as the email used to purchase the items was in " hold '' status. The Chase representative asked the Amazon representative what I should do with the property and the answer was to use or destroy the items. Shortly after, the Amazon person left the conversation and Chase representative said she would reopen a fraud investigation and the charges would not be on my bill. As of the writing of this complaint the charges are still on my account and there has been no written correspondence via Chase 's secure portal. 

I feel that Chase did not investigate the charges with Amazon the first time I reported and have no confidence after the call on XX/XX/XXXX. 

*Note : The book is titled " relations may be referred '' by XXXX XXXX . It is jibberish and incomplete. I did a search for this author and according to reviews from others, it is a scam published via Amazon.
Consumer complaint received 2015-07-31
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: N.A.R., Inc. (CA)

I am trying to find out how I have medical bills in my name that I have never received a bill for and I would like to be shown proof of how these bills are mine and where they addressed the bills too I never received any bills because I did not make them. I want to see some type of proof that they have that identifies me making these bills when the dates on them do n't even account for me living in or around the area these bills claim I made.
Consumer complaint received 2018-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (TX)

In XX/XX/XXXX we obtained a 30-year mortgage from SunTrust Bank with a payment amount of {$1800.00} a month. A few months later we are sent a letter from SunTrust saying there is too much money in our escrow account and given a check of approximately {$6000.00}. In addition to the refund, they are dropping our monthly payment to {$1400.00} a month. In late XXXX of XXXX we receive notice that our escrow account has too little money in it, please send them close to {$7700.00} and our monthly payment is being upped to {$1800.00}. If we don't send them the {$7700.00} shortage, then our monthly payment will go up to {$2400.00}. That is a {$1000.00} increase in our monthly payment! The increase payment is to take effect in XXXX. We have had two months to prepare for an additional {$1000.00} in mortgage payment. There has to be something seriously wrong at SunTrust to make a mistake like this. We would like SunTrust to do whatever is necessary to fix our escrow account since the mistake is theirs. We should not be put in a position to lose our home because someone in their escrow department screwed up our account. I am attaching the letter we sent to SunTrust, the statement where they refunded the escrow money, and the escrow statement where they want the {$7700.00} back plus a higher monthly payment. We can accept going up to {$1800.00} in a monthly mortgage because that is what it was when we first obtained it. But, {$2400.00} is way too much.
Consumer complaint received 2023-04-03
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. (AR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE ACCOUNTS/INQUIRIES LISTED ARE FRAUDULENT ACCOUNTS SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2015-03-23
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (IL)

XXXX loan reassigned or sold to new servicer ( CITIBANK ) without my knowledge and no one has loan number or contact information. I hired a attorney to negotatiate terms of a new loan agreement months ago .Citibank is coming for the home with no documentation with the help of XXXX XXXX XXXX XXXX and XXXX ) my attorney has recieved more of my money than anyone with no resolve please help.
Consumer complaint received 2022-02-28
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. (CA)

In accordance with the Fair credit Reporting act Convergent Account # XXXX U S Dept of ED/XXXX XXXX has violated my rights. 
In accordance with the Fair credit Reporting act Convergent Account # XXXX U S Dept of EDXXXX XXXX has violated my rights. 
In Accordance with the Fair credit Reporting act Convergent Account # XXXX* U S Dept of ED/XXXX XXXX has violated my rights In Accordance with the Fair credit Reporting act Convergent Account # XXXX XXXX has violated my rights. 
In Accordance with the Fair credit Reporting act Convergent Account # XXXX XXXX has violated my rights In Accordance with the Fair credit Reporting act Convergent Account # XXXX XXXX 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 2023-04-03
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

In accordance with the Fair Credit Reporting Act ( FCRA ) Capital One Bank, N.A. has violated my rights under 15 U.S. Code 1681 section 602 which states I have the right to privacy, 15 U.S. Code 1681 section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666b ( a ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This collection account is also being reported with several different open/closed dates as well as different balances which is a violation of FCRA and Metro 2 Compliance.

I have disputed this several times in attempt to correct the inaccurate information that is being report, however Capital One Bank, N.A. has yet to correct the account which violates 12 CFR 1026.13 ( d ) ( 2 ) that states the creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.