davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-27
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: JPMORGAN CHASE & CO. (NC)

JP Morgan Chase has been reporting a fraud account on my credit report for years now. I have supplied a police report, ID Theft report, etc. They refuse to remove it. I even tried to pay this fraud off to get it off my report, and I was told by Chase to do so I have to send a letter in saying this is my debt. They want me to lie and say this is mine when its not to pay this off. I want this removed from my credit report!
Consumer complaint received 2016-10-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I have banked with Fifth Third Bank for over 10 years. I have even worked for the company prior to taking a position that requires me to travel for business. I have had multiple issues with the bank whilst traveling and having access to my funds via my debt card I was told that I would always have issues unless there was a change to the address that would indicate that I would be in Texas, I agreed as I had several instances in which I had been denied the ability to pay for items at the point of sale. I called several times to discuss this with the bank and received POOR, UNCONCERNED AND UNPROFESSIONAL service. I spoke with no less than XXXX employees explaining myself over and over only to have my account address be one thing and the mailing address to be another. I had a bank product ( EAX ) removed from my account and was not notified at the time that the notation of my Texas address would preclude me from this account feature. I request that ALL calls made from XX/XX/2016 to XX/XX/2016 be pulled and listened to, as well as a copy of said calls be sent to me. I request that the EAX feature be added back to the account and that all managers and CSRs to whom I spoke be held responsible for lackluster, incompetent and rude service. Including XXXX, XXXX XXXX and XXXX.
Consumer complaint received 2015-03-24
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Southwest Credit Systems, L.P. (CA)

I got a copy of my credit report and noticed a negative reporting from an unknown company ( Southwest Credit ) I disputed this debt with the credit bureau, because I do not know of this debt, who its from, when account was opened, and even if it is indeed my debt. I never received a debt collection letter from Southwest Credit giving me a chance to dispute or verify the debt, before they went and reported negatively on my credit report. 

Where did this debt come from, when was the account opened, where was correspondence sent regarding this debt, who is the original creditor, and I would like proof ( application, signed by me ).
Consumer complaint received 2016-04-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (MD)

Midland funding has partially responded to all disputes made on CFPB. This is intentional I am NOT represented by Freedom debt relief and they have not proven that I was served for the lawsuit they brought against me concerning webank. It was past the statute of limitations and I NEVER was served and had no way o defend myself. Wages were garnished and Midland funding still reports on my credit bureaus. XXXX account was with webank and another with XXXX both fraudulent. I have requested debt verification including m signature and proof that these debts belong to me. I want records and signatures verifying these accounts are mine. I also want proof that I was served for court. Midland funding has been sued for dishonest practices and fraud. I 'm a victim of this and will pursue this, I have not received letters like they claim
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Today XX/XX/2024 ) I do not and did not understand any of these bills except that the installer rep /door salesman stated {$42.00} a month!!! 
This notice says I owe {$26.00} past due, then now {$100.00}!! 
I want all these inaccurate information deleted or corrected not owning $ ( XXXX )
Consumer complaint received 2021-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (FL)

On XX/XX/XXXX, I received a promotional email from Discover Card with the subject " Join XXXXXXXX XXXX XXXX this holiday, Get {$45.00} back ''. I read through the email and clicked on the link to activate the promotion. I purchased my XXXXXXXX XXXX XXXXXXXX membership, using my Discover card and following all instructions in the email and in the terms and conditions, on XX/XX/XXXX. The terms and conditions stated that " Offer fulfilled as a statement credit within three billing cycles after the end of the promotion. '' After waiting three billing cycles as mentioned in the terms, I contacted Discover Customer Support on XX/XX/XXXX to inquire about where my statement credit is. The representative I spoke to informed me that I should indeed have received a statement credit, and that he would escalate the issue, it would be investigated and that I would receive a call back within one week. A month later, on XX/XX/XXXX, I still had not received a call back. I contacted Customer Support again to follow up and was informed that, " the promotion is handled by corporate, and that there was nothing they could do to help me ''. When I asked if I could get contact information for whoever was needed to resolve the issue, I was told there was no public contact information and that there was nothing further they could do. 

In summary, I activated an offer and purchased a XXXX XXXX XXXXXXXX membership within the allotted time and while following all published terms and conditions but was denied the promised statement credit.
Consumer complaint received 2020-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I have repeatedly contacted Equifax to have this bankruptcy inaccuracy removed. Equifax removes it and adds it back which lowers my credit score significantly. Equifax has had it listed as a Chapter XXXX then changed it to a Chapter XXXX. This information needs to be removed from my credit report immediately because it does not belong to me!
Consumer complaint received 2016-11-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I opened a business checking account at Fifth Third Bank on XXXX/XXXX/16 with bonus offer that was supposed to give me {$400.00} for depositing and keeping {$5000.00} balance during first 60 days and making XXXX debit transactions. I have completed these requirements, but have not received any bonus. I contacted my local branch and they confirmed that I have met bonus requirements, but have not received the bonus due to glitch in their system. They said they would escalate this issue to the regional manager and it should be resolved. However it has been more than a month since then and no bonus is issued. I tried to contact my local branch many times, each time they said that either " somebody is on vacation '' or " somebody is too busy '' and promised to resolve soon. Now they do n't even return my phone calls. It looks like they are not willing to issue this bonus to me, at least nobody seems to be working on this.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

To whom it may concern, I have never been associated with collection account XXXX XXXX or their utility company in question. This account must be removed from my credit report immediately. I will file a lawsuit against all parties involved if this collection remains on my credit report for longer than the time allowed for you to look into this as legislated by the FTC.
Consumer complaint received 2021-06-06
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: Experian Information Solutions Inc. (MD)

XXXX  XXXX  Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX Personal Loan Companies XX/XX/XXXX Experian US SM BUS ADMIN ODA Federal XX/XX/XXXX Experian XXXX Personal Loan Companies XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2020-03-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Reference : Coinbases transfer to a FRAUD SCAM Brokers : XXXX, I would like to bring your attention to a serious issue I have with Coinbase wires that first took place on the XXXX of XX/XX/2019. I have been victimized by a multilayered scam operation orchestrated by XXXX - the Company, The funds were transferred utilizing Coinbase 's services in the total amount of XXXX EUR!, I would also like to point out that on XXXX of XX/XX/2019 - I filed a dispute with Coinbase.
Consumer complaint received 2017-03-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

In XX/XX/2015, I was made aware by the IRS that there were two years in which I was a victim of identity theft. This person used my information to collect my tax returns for those two years. I am in the process of repairing my finances as a result and just recently began the journey to credit worthiness. 

This account is XXXX of the accounts I did not recognize on my credit report and on XX/XX/XXXX I sent a letter to the IQ Data International Company disputing a debt collection activity that I noticed on my credit report. I requested documentation with proof bearing my signature. I also stated that if they could not provide me with proof in 30 days, based on the FCRA it is their responsibility to remove this account. I sent this letter certified and they signed for this on XX/XX/XXXX. 

On XXXX, I received a response from this company with a copy of a lease that included my name type written at the bottom and bearing no signature in the signature fields. 

I sent a response advising that this was not sufficient proof and again requesting proof of a lease bearing my signature. 

I requested the below in my certified letter : I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I was checking the balance in my B of A XXXX card account and found that the account had been drained of all its funds, {$2200.00}. I contacted B of A and they said they would review the issue and get back to me. I received a letter dated XX/XX/XXXX stating " no error has occurred and considered the claim resolved. '' Calling them again, I explained that I did not draw the funds out and that I was the only XXXX with the password. No other family member had that information. I tried to find out where the money went and all they would confirm was that it didn't go to my usual bank account, but they couldn't say due to privacy issues. I contacted them XXXX additional times to please investigate further and let me know where the money went. They would only say that it was a transfer to another account and the transaction in question was authorized and posted correctly to my account. Claimed Resolved. ( Received XXXX additional letters dated XXXX and XX/XX/XXXX duplicate to first letter ) Obviously, they didn't do much research. The evidence they sent me was a copy of my regular statement. No information was ever sent as to where the funds went.
Consumer complaint received 2020-06-20
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. (NE)

The credit bureau, Experian is reporting an inaccurate payment history with XXXX XXXX XXXX. They are reporting that there was no payment made for the month of XX/XX/XXXX, which inaccurate. I have attached a copy of my payment history with XXXX XXXX XXXX and it clearly shows, a payment of {$140.00} on XX/XX/XXXX. I have disputed the payment history several times with the credit bureau and the creditor and they are still reporting inaccurate information. I contacted creditor about the payment history being reported inaccurately and they confirmed the payment made in XX/XX/XXXX and said it was a glitch in their system, that is not my fault. This needs to be updated immediately on my credit report.
Consumer complaint received 2016-08-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I 've been a victim of Transunion 's inquiry issue and they refuse to remove the inquiries after calling their customer service representative. Their customer service would not help and take care of the negative inquiries reporting to my credit report.
Consumer complaint received 2022-08-04
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. (CA)

I have multiple unauthorized inquiries on my report that I did not benefit from. They do not belong to me. please remove them immediately. they are ruining my chances at getting approved for a mortgage
Consumer complaint received 2016-04-03
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio is reporting negatve information on my credit report & I 've asked them to pleas eprovide verification that this account belongs to me. They ignored every request sent submitted. I first disputed the account with all XXXX credit reporting agencies. They reported it verified. I then sent requests in directly to them & they have ignored all my requests. The last letter submitted was dated XXXX/XXXX/2016. At this point this company is violating the FDCPA & FCRA. I would like the information removed immediately.
Consumer complaint received 2017-02-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

" Contract was cancelled '' " NO CONTRACT '' The original creditor is XXXX XXXX and they are the collection agency. They wrote off the debt on their taxes which wrote off my obligation to pay. The contract I had with them was cancelled ; I no longer have a contract with them. The results to have them remove this collection debt off all XXXX credit bureaus.
Consumer complaint received 2015-12-29
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

I filed bankruptcy and everything was discharged except my mortgage and car loan. The car loan was with 5th Third Bank and an investigator is calling my duaghters and my place of work! His name is XXXX XXXX at XXXX. I have asked him to not contact me any further.
Consumer complaint received 2021-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

BANK OF AMERICA IS CHARGING MY ACCOUNT TWICE FOR LATE FEES AND INTEREST. I AM TRYING TO DO A DEBT SETTLEMENT. I AM 6 MONTHS PAST DUE. I HAVE NOT MADE A PAYMENT SINCE XX/XX/2021. HOWEVER THEY HAVE IT BEING 2 MONTHS PAST DUE. DOUBLE CHARGING ME FOR INTEREST LATE FEES, THEY ARE TELLING ME THAT THERE IS NOTHING THEY CAN DO TILL IT'S SIX MONTHS PAST DUE. THIS IS A CLEAR VIOLATION OF FDCPA. I WILL GET A LAWYER. I HAVE BEEN TRYINGTO CALL XXXX XXXX AT XXXX FOR BANK OF AMERICA. HE WILL NOT CALL ME BACK. I AM TYRING TO DO A DEBT SETTLEMENT
Consumer complaint received 2019-06-03
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. ()

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2015-08-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I keep getting a call from a company called Portfolio Recovery ( XXXX ). I have asked them numerous times not to call but they insist on arguing with me over the phone and stating that they will not stop calling. 

I am being harassed over and over and it is driving me insane. 
could someone please do something about this?
Consumer complaint received 2021-11-25
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. (VA)

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 2019-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ).  They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2017-01-26
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I did not want to sign up for the billpayer program ( auto transfers payments from checking ). The banker said that was fine. Billpayer transferred from my account anyway. I called customer service and asked them to provide me proof I authorized that. They said the form was archived since it was done 3 months ago and they could not prove it. They transferred money from my checking without authorization OR someone forged my signature.
Consumer complaint received 2018-05-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (GA)

XX/XX/XXXX @ XXXX XXXX  missed call from American Express. 
XX/XX/XXXX @ XXXX XXXX call from American Express asking for XXXX XXXX and trying collect a debt. I inform the caller I am not XXXX XXXX, this is my work cell phone, which I possessed this number for 15 months. ( Not sure if I am spelling XXXX correctly ). The caller appears to be disturbed that I am not XXXX. I repeatedly informed the caller that I am not XXXX XXXX. Also, there is no in this company with that name, which I informed the caller and I do not know this person. Again, the caller was not happy with my response, so I stated that I would report any further calls to this number. 
XX/XX/XXXX @ XXXX XXXX, I did not answer this call. 
XX/XX/XXXX @ XXXX XXXX, I did not answer this call. 
XX/XX/XXXX @ XXXX XXXX ( XXXX XXXX ), I did not answer this call. 
***I never had an American Express card.

These calls have taken place for the past 2-3 weeks. It appears American Express, which they say they are calling to call a debt, does not have correct information and not they are disturbance and nuisance to my work cell phone.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There is an issue with my credit report. I have tried several times to have erroneous information removed. I disputed these accounts with the credit reporting agencies. They responded back to me and said it was verified with U.S. BK courts and XXXX XXXX. I requested information from them and they informed that the information unverifiable and should be deleted. I am enclosing a documentation to support the removal of all XXXX XXXX BK 's on my credit report. I am enclosing the proper documentation. 

-XXXX  XXXX BK case # XXXX -XXXX XXXX BK case # XXXX -XXXX XXXX BK case # XXXX -XXXX  XXXX BK case # XXXX -XXXX XXXX BK case # XXXX -XXXX XXXX BK case # XXXX -XXXX  XXXX BK case # XXXX