davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Central Portfolio Control Inc. (VA)

In XXXX 2023 a collections record appeared on my credit report form Central Portfolio Control XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The invoices in question were part of XXXX XXXX incurred from XXXX I had, and were paid to the XXXX XXXX  by my attorneys when the case was settled. Apparently CPC purchased the debt that had already been paid to the XXXX XXXX. After a very long back and forth with CPC and providing documentation from my lawyer this issue was finally cleared up. CPC bought a bad debt. This action dropped my credit score about XXXX points, which was restored to XXXX in XXXX. We let this incident go. 

On XX/XX/XXXX my credit score dropped again by XXXX points. We come to find out that CPC reported again, the very same invoice from the first incident as being in collection. This was subsequently removed without action from me, though it has cause some stress over my credit score which now sits at XXXX. After talking to XXXX they indicated that it was being cleared up and we should see restoration by the end of XXXX. In the mean time I can not get good pricing on a mortgage we are applying for and have to wait. 

CPC needs some action taken upon them for their recklessness. I wanted to report it here, but am pursuing legal measures as well.
Consumer complaint received 2022-06-16
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: Experian Information Solutions Inc. (FL)

Experian was able to resolve one of the two of the original complaints. 
The one settled out of court which is the debt showing up with XXXX XXXX is incorrect. I do not owe that amount to XXXX XXXX. Furthermore, I have reasons to believe that they have illegally charged a fee. The amount of the debt is completely incorrect. I have submitted a dispute with Experian which was received by them on XX/XX/22 where I asked for them to provide me validation/verification of amt owed, none provided. Subsequently, I sent another request in the month of XXXX, which I got a response on XX/XX/XXXX that the dispute inquiry was complete on XX/XX/22, but with no resolution or evidence to support that I owe the amounts and furthermore, no removal of erroneous information. I have already reached out to XXXX XXXX and they have asked me to reach out to attorney. I have contacted attorney and they have provided me with the attached document.
Consumer complaint received 2024-03-13
Product: Credit 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: JPMORGAN CHASE & CO. (NJ)

JP Morgan Chase XXXX XXXX XXXX XXXX. 
New York, NY XXXX Dear sir, I have noticed that I was charged the XXXX XXXX XXXX monthly fee {$9.00}. The charge itself does not have any problem since I am a member and enjoying this service of XXXX. However, the charge was made with my current Chase credit card ending XXXX, which is not registered to XXXX account ; therefore, there is a serious question how XXXX got my card information. I would like your company to investigate this matter to clarify how your company employee or somebody who oversees website account management got my personal information, which should be keep secret according to the international law, since I am a XXXX national. 
Sincerely,
Consumer complaint received 2022-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

On today XX/XX/2022 I went to your PNC Branch XXXX XXXX XXXX XXXX XXXX  Pa XXXX. And upon my entrance I was given a mask from the front desk Customer Service Represenative stating that Masks are mandatory at all PNC Banks however the XXXX female customer in front of me did not have a mask on and neither was she told to put one on. Sadly theres been nothing but complaints against this ridiculous neighborhood Bank which had improved but now theyre back to their poor misconduct. And if this continues our XXXX XXXX XXXX will request that they be removed from our community
Consumer complaint received 2021-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (VA)

I received a letter from a collection company, Credit Corp Solutions, issued on XX/XX/2021 for a debt of {$1400.00} whose original creditor is XXXX. I am positive that I do not owe that debt since I never made any purchase on XXXX credit and don't even have any bank account/credit card on my XXXX profile. And the XXXX account number shown on the collection letter doesn't match mine either. 
Just to make sure, I contacted XXXX and was told that I do not owe anything. So I suspect this is a case of stolen identity and don't know what to do.
Consumer complaint received 2020-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I recently mailed dispute forms to both Equifax and XXXX  about the incorrect status of my student loans. My loans appeared to be charged off or in default but they are supposed to be in forbearance, due to an ongoing class action lawsuit. I also included the proper documentation to prove this information. Instead of updating my credit score to reflect the wrongful reporting, both Equifax and XXXX  dropped my credit score further more. Equifax dropped my score 70 points while XXXX  dropped my score 13 points. XXXX  updated my credit report and deleted the faulty reporting.
Consumer complaint received 2022-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (MD)

THIS COMPLAINT HAS NOT BEEN PREVIOUSLY SUBMITTED NOR ADDRESSED, AND IT WILL BE RESUBMITTED OVER AND OVER AND OVER AGAIN UNTIL IT HAS BEEN ADDRESSED. SIMPLE AS THAT. 

A copy of this complaint is also being MAILED directly to XXXX XXXX XXXX XXXX, Dispute Advisor at Barclaycard, at XXXX XXXX XXXX, in XXXX, DE XXXX. The fact of the matter is, Barclays have aided and abetted merchants in perpetrating consumer FRAUD in violation of applicable Banking laws and regulations. More specifically, Barclays continues to permit merchants to accept its credit card for purchases without requiring the merchant to issue refunds for the returned purchase to the original method of payment used at the time of purchase, and it also continues to permit merchants to accept the credit card and then issue refunds toward different method of payments other than the original Barclays credit card that the the consumer used at the time of the purchase. As a direct result of this improper, unfair and deceptive trade practice by Barclays, I have sustained financial losses and other compensable damages and have filed an appropriate civil lawsuit against Barclays to recover damages.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

The department of education is making the accusation that I owe a balance and it is being reported on my credit reports that I owe {$1.00} for a Pell Overpayment from XXXX XXXX, and it was closed XX/XX/2017. However, upon speaking with XXXX XXXX  's billing department and Financial Aid Department, they have both informed that I do not have a balance with them. However, the Department of Education is saying it has been transferred to Debt Collection Service of the Department of Education. All of this information is incorrect, and I do not owe a balance and they're continuing to report negative information on my report, and I am unable to obtain funding for school due to these inaccurate allegations. 

Additionally, XXXX XXXX was contacted and provided proof that there is a {$0.00} balance.
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NC)

Regardless of multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The LVNV FUNDING company failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove this account completely from my credit reports. LVNV FUNDING ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
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: EQUIFAX, INC. (MO)

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-06-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: MIDFIRST BANK (CA)

After XXXX XXXX, internet based private bank in XXXX  XXXX, closed my account in XXXX, 2022 without noticing me, they said they sent my balance check, {$1600.00}, by mail to my bank. However, according to their tracking number by USPS, it has been lost since XXXX 2022. I called numerous times to get proper information on the check. However, they refused to give me right answer. Whatever they said they did were simply not making any sense. They kept on avoiding and delaying my request for proof of check sent and cleared. I even checked with my current bank, XXXX, for delivery confirmation. XXXX can't do any research without check number, address, account number. XXXX kept saying since the casher 's check is cleared, they are not responsible for anything. According to them, it's between me and my bank. However, XXXX kept refusing to give me a check information. If they refund money to me, it should be to my residential address instead of XXXX. Still if they sent a check to XXXX, they should have information about my account on that mail. However, they simply said they sent a check to XXXX. they are not providing check number, branch address, account information. 
Customer service manager, XXXX, even lied the check had been cleared after month of waiting. However, they can't even track the check on their system. 
I can't wait any more. It has been more than 4 month. I think XXXX is simply trying to avoid my case instead of researching.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (TX)

Per the FCRA as a federally protected consumer, 15 U.S.C. 1681 states Accuracy and fairness of credit reporting. The XXXX makes the following findings : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. XXXX XXXX, XXXX. XXXX, and XXXX are collections/consumer reporting agencies and I the consumer have rights. Those rights include fair and accurate reporting when it comes to what is being reported on my credit report. The mentioned credit reporting agencies and company under 15 U.S.C. 1681-2 states the Rules of Construction states the person reports the same date of delinquency as that provided by the creditor to which the account was owed at the time at which the commencement of the delinquency occurred, if the creditor previously reported that date of delinquency to a consumer reporting agency ; the creditor did not previously report the date of delinquency to a consumer reporting agency, and the person establishes and follows reasonable procedures to obtain the date of delinquency from the creditor or another reliable source and reports that date to a consumer reporting agency as the date of delinquency. The U.S. Codes go on to define the term negative information as means information concerning a customers delinquencies, late payments, insolvency, or any form of default. In the case of XXXX XXXX, XXXX. ( Attached document ) Account # XXXX has reported inaccurate information to my credit report. The inaccuracies appear as the XXXX XXXX of {$1200.00} which violates the FCRA of reporting late payments to a persons consumer credit report. Also the status between XXXX and XXXX are inaccurate. On the attached report XXXX reports the account as closed with a Payment Status of Collection/Charge Off and XXXX shows as open with a Payment status of Late 120 Days. The mention inaccuracies are made clear on 12 CFR Part XXXX- Direct Disputes ; which states The consumer 's performance or other conduct concerning an account or other relationship with the furnisher, such as direct disputes relating to the current payment status, high balance, date a payment was made, the amount of a payment made, or the date an account was opened or closed ; or Any other information contained in a consumer report regarding an account or other relationship with the furnisher that bears on the consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. This inaccurate reporting has adversely affected my opportunity to utilize my credit and obtain necessities vital for my family.
Consumer complaint received 2022-06-16
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. (FL)

On XXXX XXXX I sent a letter to all 3 credit bureaus in regards to collections that are reporting fraudulently. The collections were removed from XXXX but still are showing up on Equifax and XXXX. I am a victim of identity fraud and I have sent My FTC and all other proper documentation that verifies that as well. You will see all documents attached that supports my complaint. I also sent a letter in regards to late payments that are reporting on a XXXX XXXX open account and a XXXX XXXX  account that is currently closed both were reported late due to hardships during the XXXX COVID-19 PANDEMIC. I AM REQUESTING BOTH LATE PAYMENTS REMOVED AS A ONE TIME COURTESY BECAUSE IF YOU TAKE A LOOK AT MY ACCOUNTS I AM NEVER LATE. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Credit Systems, L.P. (AZ)

It has come to my attention that your reporting of my account information to the credit bureaus may be inaccurate or incomplete, particularly concerning utilization data and account history. As a consumer, I am fully aware of my rights under federal law, including those outlined in the Fair Credit Reporting Act ( FCRA ), the Consumer Credit Protection Act ( CCPA ), and the Privacy Act of 1974. Your disregard for these laws and regulations is unacceptable and will not be tolerated. Fair Credit Reporting Act ( FCRA ) - 15 USC 1681 et seq. Consumer Credit Protection Act ( CCPA ) - 15 USC 1601 et seq. Fair Debt Collection Practices Act ( FDCPA ) - 15 USC 1692 et seq. 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies. 16 CFR Part 660 : Duties of Furnishers of Information to Consumer Reporting Agencies. I demand that XXXX immediately review and rectify any inaccuracies in the reporting of my account information to the credit bureaus. This includes updating utilization information and ensuring the accuracy of all data reported.
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

I received a letter to my home on XX/XX/2024, dated XX/XX/2024, stating that JP Morgan chase has decided to close all of my accounts on XX/XX/2024. I have XXXX accounts in good standing with JP Morgan Chase and have been a customer for XXXX  years. I now find myself scrambling to acquire new bank accounts and credit cards, and have no information on why the bank decided to shutter my accounts, which prevents me from understanding whether or not illicit/discriminitory factors were used to make a decision to shutter my accounts.

My hope is that the CFPB can force chase to disclose why they shuttered my accounts.
Consumer complaint received 2022-06-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Resurgent Capital Services L.P. (NY)

I opened up a XXXX XXXX credit Card in XX/XX/2018 at XXXX XXXX XXXX XXXX. After opening the card I was attempted to pay off the purchase that made the same day that u opened the card, however I was told that I had to wait until I received the credit card. In addition, I was told that I would receive the credit card in approximately a week. After a few weeks lapsed I never received a card, months went by and I still havent received a card. I reached out to XXXX  XXXX via phone and explained to them that I never received a card in the mail and nothing was done. Therefore, I went to the store where I opened the card and was able yo pay off the amount of roughy {$38.00}. I paid off the balance with the manager at the time and I explained to her that I never received a card and wasnt able to pay the balance. After about a year I never received the card but I received a letter stating that I owed $ XXXX. I explained to the company that I never received the credit card in the mail and that I had paid off the debt that I owed. Furthermore, I asked for the location of the store where the items were purchase and what was purchased, no one was able to disclose this information to me, and they offered me a settlement of approximately {$170.00}, and I explained to them that I had already paid off my he credit card, despite me never receiving one.
Consumer complaint received 2021-03-27
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: Experian Information Solutions Inc. (NY)

The following fraudulent accounts are being reported to my credit reports : XXXX XXXX Bank XXXX XXXX XXXX Acct # XXXX - amount {$300.00}. 
XXXX XXXX - Acct # XXXX -Amount {$540.00}. 
XXXX XXXX XXXX XXXX XXXX # XXXX Amount {$80.00}. 

I am a victim of identity theft and I am not responsible for these above-stated accounts.
Consumer complaint received 2023-05-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC. (IL)

After receiving the letter of validation from Exeter Finance dept. I've noticed that there are forgery and false information on this bill of sell. as for one that signature is not mine, as Ive stated in my affidavit my brother forged my signature but you overlooked that. Ive also sent in a letter from my brother with his ID attached apologizing to me that he has done me wrong, for which I've forgiving him for. and also on the letter of validation you had one address, then you stretched it out and put another address. that's forgery. Ive never staded at neither of these addresses my brother did, I never let know one know where I stay this is why he had to use his address because he did not know where I live. 
on the address you have XXXX XXXX XXXX I never stayed there but my brother did, you got XXXX or XXXX XXXX  XXXX, I've never stayed there but my brother did, you see all of this is leading back to my brother, this is why he is in prison now for theft and breaking and entering. therefore ive submitted documents to you numerous times, but you falil to see things in a different prospective. all I ask is for you to clear my name and go after the person who owe you money and that is my stepdaughter XXXX XXXX and not XXXX XXXX I would never co sign for anyone not even my mother, so why would I co sign for anyone else.
Consumer complaint received 2022-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
2. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.