davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX  XXXX charged us twice for the same security equipment and erroneously provided statements with different due dates. We called and alerted them to this error and they changed the balance due to XXXX but still reported us late even though we were never late. When we called to complain it seems they closed the account with no explanation but did not remove the information about the false late payment. I have disputed this with the XXXX credit bureaus without success. You can also see this is happening with this company as it pertains to other customers as well. 

https : XXXX
Consumer complaint received 2015-07-10
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (CA)

chase.com website has the option to dispute charges made un-authorized on credit card accounts, it says there that they will close the card and replace it with a new one ... which is not true because I did n't get a replacement and they never close the credit card.
Consumer complaint received 2024-01-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I assert that the reported accounts are invalid. The associated banks must verify under oath its validity, ensuring it is free from any claims and defenses, including breach of agreement, failure of consideration, or material alterations. Additionally, the respected banks of the accounts must confirm the original lender-provided value. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-15
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

Upon checking my credit report, I noticed that Fair Collections and Outsourcing were reporting an account XXXX to all XXXX credit reporting agencies. For starters, I was not notified of the alleged debt before it was thrown onto my credit report, it suddenly appeared. Fast forward to XXXX XXXX, 2017, I sent a debt validation letter to FCO asking them to validate the debt. I received correspondence from them on XXXX XXXX, 2017 in the form of a package enclosed with the copy of a lease that bears an electronic signature and a statement of charges.This to me is not a form of debt validation, its basically FCO stating that they purchased a debt from a creditor and are trying to collect without proving that I have in fact have done business with them. After sending my second letter to them requesting that they send me proper validation, they responded stating that they will not respond to multiple request of me asking them to send proper proof of validation. I also disputed this collection with the credit reporting agencies and have since received feedback from XXXX whom stated that FCO sent back the account as " verified ''. They have since changed the way they are reporting on my credit report since I filed a dispute for removal of the account from my credit report. They changed the original name that they were reporting under from Fair Collections & Outsourcing to XXXX XXXX. How are they able to verify an account and change the name they are reporting under to the credit reporting agencies? It is their job to provide proper documents of validation in order to collect on as debt, and it is also their responsibility to report ACCURATE information.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX  is reporting inaccurate information on my credit report. They reported that I have a late payment of 30 days or more for the month on XX/XX/XXXX. I have proof of all payments made along with the dates and also proof of all payments on their site shows that I have never been late 30 days a or more while having this account. I filed a dispute with all 3 credit reporting agencies but the company refuses to update their information. I also called in on multiple occasions regarding this and representatives have told me that they do not see any late payments of 30 days or more on my account and my account is paid up to date and in good standing. Representatives have also put in a request fir further investigation into the matter but the company has failed to respond or send any correspondence to me stating that I have been 30 days or more late with a payment. Payment dates since the opening of the account XX/XX/XXXX. Payments were made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All of these payments show paid via my bank account and also on citizens bank account. I am asking that they fix this matter immediately before additional legal action is sought.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

I can not access my account. When I try to login it says " We are temporarily unable to complete this request. '' It has been saying that for months. My loan application was denied due to Equifax locking my credit account. They told me to login and unlock it, but this keeps happening with the unable to complete request. I want my account unlocked.
Consumer complaint received 2023-04-13
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. (PA)

My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and / or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my report and all my information related in this matter. 

The fraudulent accounts are as follows : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

Portfolio Recovery Associates LLC continue to send collection letters requesting {$1200.00}. Several dispute letters were mailed to this company requesting removal of in accuracies from my credit reports. The agency was advised that they were in violation of Fcra and Fdcpa. They were advised that to list information on credit reports was violation of my rights by reporting false inaccurate information by placing these false accounts on my consumer credit reports. the list collection that are reporting has not been opened by me and I have no knowledge of them. Please be advised that by law I have right to PRIVACY and the credit reporting agencies have violated it. The list of accused collection accounts and dates are Portfolio Recovery Associates LLC date XX/XX/21. By Law when an consumer starts a dispute with credit reporting agenices, the account the consumer is disputing must be deleted until further investigation. The credit reporting agencies as follow XXXX, XXXX, XXXX, and XXXX are currently in violation and has violated my rights under FCRA and FDCPA under code 15 U.S. Code {$1600.00}. I have sent letters to Portfolio Recovery requesting verification of account and I have requested them to send contract that authorizes them to collect money from me. The original debt was not with them and they are violating 1. 15 USC 1681 ( a ) ( 4 ) they have violated my right to privacy and per 15 USC 1681b, I did not give them written consent to furnish any information to anybody per 15 USC 1692 ( g )
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2021 someone broke into my car and stole my purse containing my wallet and other valuables. I contacted my banks & credit card companies to report the theft and also the Police. Bank of America refused to pay the unauthorized charge of my debit card of {$620.00} at XXXX as stated in the Police report. ( Attached )
Consumer complaint received 2016-05-02
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (PA)

This company has been harassing me about a credit Card debt form XXXX XXXX Bank that is not mine. I 've asked them several times to verify that I owe this debt, and they have failed to do so. On my credit report it states that I owe XXXX under XXXX and under Midland funding who is the collection agency for XXXX it states that I owe {$800.00}. This is not my debt and this is unfair that they are harassing me about a debt that does not belong to me.
Consumer complaint received 2016-06-03
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings (TX)

I payed this off I on XX/XX/2016 I want this off my account the store I payed was on Airline in XXXX XXXX XXXX TX please call to get this off my account thank you
Consumer complaint received 2016-09-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Carter-Young, Inc. (KS)

I moved into XXXX XX/XX/2012. I was told I had to have a cosigner on the application, but I was given the key anyway. No paperwork was signed. 2 weeks later, I was told I had to go because no paperwork was signed to legally live there. 6 months later, I found a whopping bill for {$4500.00}! I never ( legally ) lived there and I was there for 2 weeks, but got charged for the whole year.
Consumer complaint received 2016-09-26
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (NY)

I reported fraudulent activity to American Express on XX/XX/XXXX for my Serve Prepaid account. There were approximately XXXX charges totaling {$430.00} from XX/XX/XXXX-XX/XX/2016. American Express has since closed my account, told me that the charges were authorized, and has refused to provide any additional information or credit. The fraudulent charges triggered a balance transfer and used up all my funds.
Consumer complaint received 2016-07-26
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CO)

My brother and I located an ad on XXXX offering discounted airfare. Contacted the ad, was advised that they could book our airline tickets at a discounted price. The other person booked our air, provide us with confirmation numbers, I even called the airline to verify. 

My brother thought it was ok since we had proof of our tickets. He wired {$5200.00} to the receipents bank. Two weeks later XXXX out of the XXXX tickets booked were canceled per the airlines due to fraud. I then contacted my bank and the receiving bank. The receiving bank advised to file a recall wire transfer, we did so. Plus the receiving bank wanted an indemnification agreement. Our bank refused saying that our situation was not classified as fraud. It is fraud. I have police reports as well as fraud reports to prove otherwise. The gentleman who took our payment for the airlines basically laughed at us telling us there was nothing no one could do even the fbi
Consumer complaint received 2016-03-24
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Check Security Associates, LLC (PA)

This debt collector called Warner Asset locations called my previous place of employment and got the number to my new place of employment. The lied/misrepresented themselves and said they were calling to verify employment then asked to speak to me. When i talked to them the lady called herself XXXX XXXX, did not identify herself or the company. She wanted to verify my address and wanted my debit card to make a payment on a payday loan. I said i will not do it at this time because i am at work. I also told her she can not call me at work. She said well you are not answering your other phone. She threatened to serve me papers at my place of employment. She gave me her number to call her back at XXXX to call her the next day. Once i left work i called her again to reiterate that i do not want her calling my work anymore and also i was never given the opportunity to dispute the debt and that In XXXX payday loans are illegal. She said i lived in XXXX at the time of the loan. I said that is false and that I lived in XXXX my whole life and i have never been to XXXX. The loan company made up false XXXX address. 
I was never given notice of the right to refuse. The also illegally obtained information about my new place of employment by lying to my previous place of employment.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I am urgently appealing to you to swiftly eliminate the unauthorized ACCOUNTS from my credit report since I did not provide authorization for them, and they are causing me considerable distress. I implore you to rectify this error promptly.
Consumer complaint received 2019-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MO)

Tried to pull two credit reports today ; Experian and XXXX. 

For identity verification, XXXX  displayed a series of irrelevant questions, then claimed they were unable to verify my identity. Interestingly, they were able to verify my identity for a previous transaction on same day. Subsequent attempts to pull report resulted in same result. This has happened multiple times with XXXX. 

Later today I tried to pull my Experian report and received the following message - " We're sorry. A condition exists that prevents Experian from being able to accept your request at this time. ''
Consumer complaint received 2015-04-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: CITIBANK, N.A. (MI)

I signed an agreement to payoff my Citi student loans over 15 years when I started repaying my student loans. During that time, Citi student loan was servicing XXXX of my loans, # XXXX & XXXX. My total monthly payment until XXXX 2015 was XXXX ( # XXXX = XXXX and # XXXX = XXXX ). In XXXX, I paid off loan XXXX. Citi then sent me an XXXX statement showing that I owed XXXX for loan # XXXX. In XXXX, I called servicing and asked why my payment for XXXX had increased. They initially told me it was due to a mistake on their end which meant that at the current rate I would not be able to payoff my loan by the deadline. I disagreed with that person ' response because their math was incorrect. They said that the reason was due to their policy of not permitting of less than XXXX/month. I stated that provision was not in my agreement, so they were changing my contract. By the end of the call, a manager said they would fix my payment back to the XXXX amount as long as I would make XXXX payment in XXXX for XXXX. I agreed to do that and did it. On XXXX/XXXX/15 I get a call from Citi servicing stating that they can not change my payment to XXXX due to policy and my payment would be XXXX. I asked the lady to please review my repayment agreement for that provision, and I was told that she did not have a copy of this agreement. I am complaining about this change in payment amount. If this was mortgage servicing, the servicer would be getting in trouble for improper billing. Student loan servicing should be held to the same standard. Also, Citi has not sent me an explanation of why payment has changed, the breakdown of the repayment plan I am on with this new payment, or the time period it will take to repay my loan off based on this new payment. Surely this can not be the way a borrower should be treated in this manner. My loans are in good standing ; I am rarely late on payments ; if I am late, it is due to simply forgetting ; I have no outstanding late fees ; and I 've paid off a lot of my loans that I have had. Why is Citi treating me like garbage. My trust with them has gone completely away, and I am unsure if their billing statements have been accurate this entire time.
Consumer complaint received 2024-01-26
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. (FL)

Sent multiple request over the past month to delete inaccurate accounts from my profile and the company has refused to remove the accounts. They did not fully investigate the issue after I informed them my data had been breached. 

Experian has not provided me any evidence of the accounts I have disputed. 

1. I am requesting the company provide what steps they took to actually investigate the accounts to ensure the accuracies of the disputed accounts. 

2. Since you did not delete accounts can you please reinvestigate the accounts. 

3. Send me my full complete file disclosure to listed address.
Consumer complaint received 2021-01-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (PA)

LVNV Funding is attempting to take me to the magistrate in retaliation for having their account removed from two of the big three credit reporting bureau. After investigating a dispute both XXXX  and XXXX  requested records and verification of a debt LVNV bought from XXXX XXXX. LVNV was unable to provide proof and the debt was removed from those reports. LVNV is now suing me in retaliation. The XXXX XXXX account is over 9 years old and legally can not be collected on.
Consumer complaint received 2017-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

We paid our loan via electronic payment through their website. Navient said that they received on their website, I called them to make sure they received it and they said yes. they then sent me a bill saying i missed my payment. the next month they charged me double. I made the payment and the same thing happened. they then said that they would fix it by just moving the payments to the end and i agreed to this, but in so doing they increased my payment. I think this was very unfair and filed the complaint. I then started to make the payments from my bank to them not through their website, I filed a complaint through the government student loan department. This caused alot of stress to our bank account and our family, though no fault of our own. I think their online bill pay service was intentionally faulty so they could charge the additional charges.
Consumer complaint received 2022-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Myriad of issues with this bank. Problem started Sunday XX/XX/22 when I received a fraud alert on my account. I? asked the representative to allow me time to go to the bank to withdraw funds prior to shutting down my debit card, and was refused. They told me I could use the digital wallet on the app. When I attempted to use it, I was told I was ineligible for it, and would have to send money via XXXX to another person and have them withdraw it to access my money. The bank then refused to issue a temporary debit card until the new one arrived. I then deposited a check on Tuesday XX/XX/22, and was told that XXXX of the funds would be available on the XXXX, and the remaining XXXX would be available on the XXXX. Later the same day I was told the entire check was being held until the XXXX. I attempted to call the bank multiple times, and was hung up on multiple times. The check was from the XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, a XXXX check. I withdrew the funds so that I could fund a move, and now do not have access to the funds to do so.
Consumer complaint received 2016-12-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (LA)

I have no knowledge of this debt. My account with XXXX credit bureaus has a fraud alert unit. The credit bureaus must provide me with written authorization or delete asap. I request that each and every account or inquiries be removed and I request an updated credit report reflecting changes.