davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (AZ)

I just had a check deposit {$3000.00} to my account on XXXX and the fun available XXXX .after that day the chase bank closed my account without my authorization. All the fun in my account around {$3100.00}. I try to call them about it and no one try to give back my money. I need help with that money to able to feed my family, so I really need help. Thank you so much
Consumer complaint received 2020-12-03
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: CITIBANK, N.A. (WA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XXXX, XX/XX/XXXX add a hard inquiry on my credit report per XX/XX/XXXX. On XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit report per XX/XX/XXXX On XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit report per XX/XX/XXXX. On XXXX XXXX, XXXX, CBNA add a hard inquiry on my credit report per XX/XX/XXXX 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-12-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (MA)

I have been receiving multiple harassing phone calls from American Education Services and have sent them a certified letter to stop contacting me and they have refused. 

They are not offering me any feasible payment plans and continue to bombard me phone calls and offer no real solutions
Consumer complaint received 2021-05-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

XX/XX/2021 I sent in a letter regarding inaccurate and unverified items on XXXX credit report and to this day I have yet to receive a response. It feels as if my disputes are being ignored and I feel taken advantage of behind this. Section XXXX ( a ), it plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove the items from XXXX credit report. There has been more than enough time to fix these issues so they should be deleted promptly. I demand these accounts be deleted immediately and expeditiously or I will file for litigation due to the stress this has caused me. My information was also impacted by the XXXX data breach and may have got into the wrong hands.
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (CA)

The payment history shows current one month and 60 days late on the very next month. This item is reporting incorrectly and according to the FCRA it is not reporting 100 % accurate and should be removed from my credit report immediately.
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I, XXXX XXXX have been financially attacked in a private game followed by the public when possible. When purchasing things to better my own life, other people have announced they are trying to kill me for not following my dad 's advice, which led to bank accounts and credit cards being closed fraudulently without my permission at XXXX XXXX specifically associated with XXXX XXXX deposits and at XXXX XXXX XXXX for XXXX 's affiliation with presidential campaigns. In addition, specific problems related to banking with college graduates voting and engaging in activities associated with CEO 's taking on my home city using my names occured at XXXX XXXX. Numerous credit inquires continue to appear without my knowledge or personal gain of knowledge hindering my ability to get a job and maintain permanent social housing or to be compensated for brain damage experimentally imposed. Please remove XXXX XXXX from my report an notify XXXX XXXX to return my {$300.00} since we expect to return the credit scores and buy a big house.
Consumer complaint received 2019-08-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

I was trying to purchase concert tickets through XXXX and it ended up being a scam. I sent {$86.00} through PayPal and I am unable to cancel the money and they declined my dispute for a refund as I authorized the transaction. Yes, I sent the money but I never received my tickets at this is a scam I now see all over XXXX.
Consumer complaint received 2020-06-04
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. (WA)

These are not my accounts, nor is some of the personal information correct regarding my addresses and name. Additionally, I did not authorize any of these merchants to run my credit. Please remove them.
Consumer complaint received 2021-05-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the newly established policy of the President of the United States, to wit : The debt of these XXXX  veterans will be completely erased,, I hereby respectfully request that Transunion and XXXX erase are references to any and all debts owed to The United States Department of Education, XXXX XXXX, or their assignees/agents.
Consumer complaint received 2017-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I disputed the tax liens that 's on my file on  XXXX  different occasions as being incorrect asking for verification and validation.  XXXX  told me to contact the court house whom responded with a letter stating they do n't report to the credit bureaus. I sent a certified copy to  XXXX  and  Transuinon  with a redispute, they responded with i need to contact the IRS. After contacting the IRS their response was the information is incorrect and they do n't report to the credit bureaus. Once again i sent a certified letter to the bureaus with the IRS response and ask that since they have not sent me any type of verification or validation to please delete the information from my file. Transunion have not responded ( even though its been over 30 days  ) a nd   XXXX    stated that they recieved the information from  XXXX   XXXX . At this point I feel as though i 'm getting the run around and nothing is being done. It 's very frustrating and stressful.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am writing to dispute the following inquiries and accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any these unauthorized inquiries as well. 
XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$12000.00} XXXXXXXX XXXX Balance {$3600.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} XXXX  Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2019-08-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Larry H. Miller Group of Companies (UT)

1. Purchasing my XXXX XXXX XXXX Truck at the end of a 3 year lease. 
2. Negotiating a purchase agreement.

3. The lease agreement was on XXXX for $ XXXX/month for 38 months and endsXX/XX/2019. At the lease signing the salesman told me if I wanted to purchase the truck when the lease ended the monthly payment would be about the same, more or less. Monday XX/XX/XXXX my wife and I went to XXXX XXXX XXXX XXXX dealership in XXXX, UT. to find out what kind of purchase deal we could work out. We talked to Salesman XXXX, and Sales Manager XXXX ' who presented us with $ XXXX {$510.00} per month for 84 months. We told them we were on a budget and we couldn't swing that kind of deal, and they said can you put any money down? We said no because we were on a budget so it would have to be XXXX down. They said sorry, that's all we can do for you, I asked what about the {$10000.00} we put down at the lease signing, where did that go? They said it went to the residual cost of the truck, so we would be out that money if we didn't buy the truck. We decided to think about it for a few days and I returned with my son on Wednesday XX/XX/XXXX at XXXX to talk to the General Manager XXXX along with the Sales Manager XXXX ' to see if we could try and make a deal but the answer was the same as before. XXXX was very arrogant and aloof in his manor and asked my son if he new anything about math and my son said yes I know it very well, I work at a Financial Institution and super- vise many agents, then XXXX stood up and said I guess we are not going to get anywhere here, like we were wasting his time, so we left. I must say XXXX was a very rude representative of XXXX XXXX XXXX XXXX in XXXX, UT. 
4. The company is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, UT. XXXX Phone is XXXX 5. Salesman XXXX, Sales Manager XXXX ', General Manager XXXX
Consumer complaint received 2019-08-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

On XX/XX/2019, Equifax received request to investigate accounts reporting to my credit report that are inaccurate and do not belong to me. I informed Equifax to investigate and delete the following accounts. 
1. XXXX XXXX, Acct # XXXX delete this account 2. XXXX - Acct # XXXX xx - reporting as a charge off and late 3.  XXXX Acct # XXXX xx. reporting as a charge off and late * Additionally, Equifax should know that I have OPTED-OUT of the class action settlement they are trying to scam every American into accepting. I Opted-Out because I fullly into to file a separate lawsuit against them for hundreds of thousands in damages they have cause me. 

As for the accounts listed above. Equifax has made zero attempts to investigate my claims within the time period allowed by law. Equifax has easily exceeded the time frame of 30 days therefore, by LAW MUST delete the account above.
Consumer complaint received 2019-08-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PMAB,LLC (FL)

In XX/XX/2017 I was involved in a school sport function injury. The schools insurance paid the bills to the debt collector/ hospital last year and settled it. The hospital is now saying it wasnt paid and sent it off to collections and is failing to provide reasons for these amounts that is unpaid and will not provide any paper work showing why my account was sent to collections and they stated it was placed on hold and was never even supposed to be sent to collections, but some how it got sent to them.
Consumer complaint received 2020-12-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

In XX/XX/2020, Portfolio Recovery Associates, LLC filed a debt collection lawsuit against me in Texas. I reviewed the consent order from the CFPB against PRA and I believe they are in violation of Section 807 of the FDCPA, 15 U.S.C. 1692e, which prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt : including Filing Misleading Collection Affidavits and False or Unsubstantiated Representations about Owning a Debt. PRA 's petition deceptively lists several separate companies as a single original creditor by a series of " / '' which are undefined and appears to imply 3 different companies are a single corporate entity : " '' XXXX XXXX XXXX / XXXX XXXX / XXXX issued a credit account in the Defendant 's name ... '' When later in the petition it is stated in PRA 's affidavit that " XXXX XXXX XXXX  / XXXX '' was the original creditor. On XX/XX/2020, during the court hearing to dismiss this lawsuit for baseless causes of action, when I contested PRA 's claims they are owed a debt because they can not prove the chain of assignment from the original creditor to PRA, the PRA lawyer responded they did not have to abide by the Texas Rules of Evidence and they had an affidavit stating PRA was the rightful assignee of the debt. I believe this is also a violation of the FDCPA because it is deliberately attempting to collect a debt they have no intention of proving by chain of assignment. The judge permitted the unsubstantiated documents as evidence and ruled in favor of PRA.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX  XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX COMPLEX XXXX XXXX XXXX XXXX, FL XXXXMULTIFAMILY XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXXSINGLE FAMILY XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-08-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My Bank of America card was lost in XX/XX/XXXX. Unfortunately I did not realize the card was lost until my mother brought to my attention that I had a very high balance. This was in XX/XX/XXXX. I immediately called BOA to notify them that there were unauthorized charges made to my card. ( charges for restaurants I've never been to, excessive trips to, and amounts charged at convenience stores that I do not frequent, etc. ) They took down information and was told they would take care of it. I was credited with the amount of XXXX which was the amount of the unauthorized charges. On XX/XX/XXXX I received a letter ( dated XX/XX/XXXX ), a standard form letter, from them informing me that they had completed their review and that they had determined no fraud had occurred. I called them on XX/XX/XXXX and spoke to a very nice lady who told me that the reason they had made that determination was probably because " the charges made did not follow a pattern that they usually see when fraud is committed '' She assured me that hey would take another look at my case and they would contact me. I then received a very prompt letter, ( dated XX/XX/XXXX ) identical to the one I had received on XX/XX/XXXX. I contacted them in a letter of XX/XX/XXXX providing them with substantial evidence to prove my case, that letter was never answered, nor was my letter of XX/XX/XXXX. I continued making my monthly payments as agreed, and on XX/XX/XXXX I went in to the bank in my city and paid a total of {$4100.00} which was my balance, minus the XXXX fraudulent charges in question. I once more requested that my fraud claim be considered. They asked me to resubmit all the documentation via fax which I did. I received an answer, the same standard form letter denying my fraud claim. I was never given a clear and concise explanation of their investigation. I feel BOA has violated our contractual agreement of " fraud protection - XXXX liability guarantee I stand firm on my claim that fraudulent charges were made on my card, and I feel I am not liable to pay for them. I request that BOA show proof that a thorough investigation was made to support their findings that no fraud was committed. I also request that the balance " owed '' be taken off and my name be cleared from any credit bureau that might have derogatory information regarding this matter. I would appreciate all the help you can provide me. Thank you!
Consumer complaint received 2021-06-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

This original company was aware of identity theft due to my military status. After agreeing to REMOVE the negative debt since I never applied for it, they charged it off and the collection company continues to reage the debt resale and has damaged my militaryservice record and hurt my credit. The debt is NOT mine. I have requested copies of original contract, proof of legal right to collect and proof of verification method nothing has been given to me. They continue reporting this debt year after year knowing it is not mine and continue to make threads and damages my military record and my credit.
Consumer complaint received 2020-06-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A. (PA)

PNC has made changes that do not allow me to link my checking account to my XXXX card to pay others. I can use my XXXX card in stores and it will reload a balance from PNC but PNC will not let me make payments directly from the XXXX app
Consumer complaint received 2019-08-22
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)

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX   XXXX  and XXXX
Consumer complaint received 2020-12-03
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. (DE)

Company falsely stated that I paid on time for XXXX months on a inactive account. These XXXX false payments may, cause this inactive account of almost 7 years to reopen and severely damaging my credit for another 7 years. This account is set to end and exit my credit in XXXX of 2021. I strongly believe that these creditors are retaliating due to their time is coming to an end.