davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-09
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. (PA)

I am writing to delete the following information attached to my file. The items I need expunged are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (FL)

I just ran a credit report and found I have had a credit line with XXXX  for the last 11 months. 

I never applied for this. I also do not have this card. I never received anything. I had no idea this was even on my account. I would like this removed immediately. 

You can see it's never been used. I'm not sure what happened. Maybe this was a mistake, but I do not have it nor use it. It also affects my credit score and I need this card and effects removed ASAP.
Consumer complaint received 2023-03-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Let me start by saying I have been a longtime customer of Capital One since they were XXXX XXXX and I was starting my college life. I have never thought about using any other banking institution for my personal or business affairs, until now. 
I have been having a claims dispute with a merchant, The XXXX XXXX, since XX/XX/XXXX. This dispute was due to the merchant charging me twice for 1 massage service at an introductory price of {$56.00}. I paid for the service on XX/XX/XXXX upon scheduling through my XXXX account which is directly connected to my Capital One checking account. On the appointment day, XX/XX/XXXX, I was charged again at point of sale because the young lady said she had no proof in the computer that the service was paid for. After she checked twice, I was confused & gave her my debit card. As soon as I got home I was able to check my bank account to confirm my initial payment. Therefore, I contacted the owner, XXXX, who assured me that she would make the corrections after offering me a credit. I refused the credit and asked for my refund instead. In the meantime, I contacted Capital One to initiate a claim dispute. Claim # XXXX was the number given to me by Capital One. I spoke with a representative in the Claims Dispute Dept, who told me that he saw the 2 separate transactions for the exact same amount of {$56.00}. Of course, I am thinking all of this has been resolved after sending the receipts and emails in to XXXX. 
On XX/XX/XXXX, I received a letter from Capital One stating that my claim has been denied and they are believing the owner of XXXX XXXX XXXX that it was my user error and that is why I was charged twice. How can it be my user error if one charge was via computer on XX/XX/XXXX and the other was on location at point of sale on XX/XX/XXXX??? I have spoken to several representatives in the Claims Dispute Dept. Each person has said something different ( I am sure these calls are recorded ). On XX/XX/XXXX, I spoke to XXXX. On XX/XX/XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX @ XXXX. One of them even implied that the XX/XX/XXXX purchase was for other merchandise, as if I am lying. They are unfairly closing the case and extending the worst customer service ever. I have all the proof of being charged twice. I have even contacted the Capital One corporate office and spoke to their representative, XXXX, to no avail. Please assist and thank you in advance.
Consumer complaint received 2024-03-16
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (GA)

I affirm, under the threat of perjury ( as per the laws of the United States, if executed outside of the United States ), that the aforementioned statements are true and accurate to the best of my understanding. Furthermore, I attest that I am legally permitted by both FEDERAL and STATE LAW to initiate this dispute. I am also aware that any intentional and knowing misrepresentation or omission of significant facts constitutes a FEDERAL CRIMINAL VIOLATION as per 18 U.S.C. 1001. Moreover, such misrepresentations are punishable as perjury under 18 U.S.C. 1621. The entries identified within my credit report are not associated with any transactions conducted by me. I assert that an individual or entity, without my consent, has utilized my personal identifying information to apply for goods, services, or financial resources, and has successfully opened certain accounts. These matters are presently under investigation by the FTC.
Consumer complaint received 2024-03-16
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

Today on XX/XX/24, I was notified that a representative of Columbia Debt Recovery DBA Genesis Credit Management reached out to my mother about a debt that they claim I own.
Consumer complaint received 2023-04-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (KS)

A week or so ago I received a letter in the mail stating I owed XXXX XXXX  {$860.00}, from clear back in XXXX or XXXX. As I do recall having XXXX XXXX  as a provider, I do physically remember sending back my phone in a package after switching providers. I switched because I had terrible experiences with them, and this is just making it worse.
Consumer complaint received 2022-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc (TX)

On Tuesday, XX/XX/XXXX, I received a text stating that my Chime card had been delivered and was in a green envelope ( NOTE : I never received this card or requested it ). I immediately contacted Chime customer service to report that I'd never requested a Chime account ; after repeated attempts via telephone, and no directions on their IVR prompt to either XXXX speak to a representative ; and/or ; XXXX report suspected fraud ( there is no IVR prompt to report fraud ), I did some research to see if they have an online portal or dedicated fraud phone line to report such incidents- of note, I was unable to locate any way to report this issue. Thus, as directed by their IVR, I sent an email to XXXX ( which allegedly offers XXXX support ) on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. After no response, I went on XXXX to determine who is their Compliance Officer and was able to identify an XXXX XXXX ; I provided the following information ( on Thursday, XX/XX/XXXX ) : " XXXX XXXX : I have sent three different communications to the XXXX email box reporting that I received a text that my Chime Debit card was delivered. I provided to them that I never applied for the card and that I needed confirmation that it had been deactivated/cancelled immediately - that was Tuesday morning and still no response. In addition, as a XXXX XXXX XXXX myself, I am pressed to understand why the toll-free line does not provide any human contact or even an electronic way to report fraud and have it addressed timely. And, no compliance contact either to escalate issues such as this when it occurs. I have multiple mechanisms which allow non-compliance, or potential fraud ( which I also own within my organization ) or privacy incidents which may need to be addressed. I would appreciate your support here in assisting me with addressing this matter. I am concerned that perhaps someone has received a card, may use it for nefarious reasons and/or if they have also somehow now gotten my bank account information. Please let me know. '' I'd appreciate the agency please looking into this for me as I fear I've been compromised and they are not responding. Thank you.
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Citizens Debt relief LLC (NY)

I began working with Citizens Debt Relief XXXX years ago. They have been unresponsive, taken over {$12000.00} in fees but have only applied {$3800.00} towards my debt. I have repeatedly asked to cancel the account and receive a full refund. They do not return calls, answer the phone, respond to emails or chats. I have a legal right to cancel this service and receive all funds that were sitting in escrow. This company continues to ignore my request for full repayment.
Consumer complaint received 2023-06-14
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. (CA)

I have been sending dispute letters since XXXX last year and they have completely ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone way past the 30 day mark and can not verify the account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete Account XXXX XXXX. Please resolve this manner as soon as possible thank you
Consumer complaint received 2022-08-09
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. (IA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

The payment history on this account XXXX BANK XXXX is completely inaccurate. 
The date of last activity is different across all three consumer reporting agencies. 
The high credit amount is reporting on XXXX XXXX but not XXXX or Experian. 
Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.
Consumer complaint received 2017-10-10
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. (DC)

XXXX. XXXX XXXX Account # XXXX Collection for XXXX XXXX Bank XXXX {$720.00} Fraudulent Account Please Remove XXXX. XXXX XXXX Bank Account # XXXX Charge off Past Due Amount {$570.00} Fraudulent Account Please Remove XXXX. XXXX XXXX Account # XXXX Charge off Past due amount {$570.00} Fraudulent Account and Reported Twice XXXX XXXX XXXX Bank XXXX Submitted to Collection Amount {$750.00} Fraudulent Account Please Remove
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

The payment history on this account XXXX BANK XXXX is completely inaccurate. 
The date of last activity is different across all three consumer reporting agencies. 
The high credit amount is reporting on XXXX XXXX but not Equifax or XXXX. 
Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.
Consumer complaint received 2022-01-18
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

On XX/XX/2021, Select Portfolio Servicing received our written request under RESPA law. SPS failed to acknowledged our request within the statutory time. As of today we have not receive acknowledgment from the servicer. SPS must comply with the RESPA written request and provide copy of the loan modification.
Consumer complaint received 2022-01-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NEXA Mortgage, LLC (NJ)

We recently closed on a house and used Nexa for our mortgage. It came as a referral so we were excited to use them. 

Our closing got delayed and during that delay, we were told multiple times to not lock in our rate. 

I attached texts that outline the communication. On XX/XX/XXXX and XX/XX/XXXX at XXXX we were told to wait a few more days until it drops under XXXX. 

On Monday XX/XX/XXXX we were told it looks awfuland was now at XXXX, and we were told she was " def not locking at XXXX. '' We were told by XXXX XXXX that we could have locked in at any time with our mortgage broker XXXX XXXX, which is true, but when your broker specificallytells you they are not going to lock you in at a number, I find it hard that any buyer is going to push back. 

We were then told by XXXX that it was at XXXX and that it was not predicted to go lower. At that time we locked in with under a week until closing. 

We are now paying close to .5 % higher than we would have been if we were given the correct advice and don't feel great about it given Nexa'sfiduciary duties to their clients.
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I spoke with a representative which informed me my complaint was received via certified mail. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter I sent out. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts is still not reported 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. 

Accounts : XXXX XXXX Account : XXXX
Consumer complaint received 2024-03-10
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Southwest Credit Systems, L.P. (TX)

The report shows I currently owe money to your company that I have already repaid. 

o The date of first delinquency on my report is not accurate.

o My student loan shows a period of delinquency when I was actually in an income-driven repayment plan.

o Im the victim of identity theft and I dont recognize one or more of the accounts on my report.
Consumer complaint received 2024-03-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/2023, I purchased XXXX XXXX XXXX tickets for {$450.00} each using my Chase XXXX XXXX XXXX card. While still on the call, with XXXX XXXX, I cancelled that transaction. XXXX XXXX charged my card for XXXX tickets and credited back for XXXX leaving a balance of {$900.00} ( $ XXXX XXXX ). I disputed these charges repeatedly with both XXXX XXXX and Chase. Over a period of 6 months, the charges have been temporarily removed and then added back several times. Most recently, Chase has credited my account {$450.00}. However, they refuse to credit the remaining {$450.00}. The last document from Chase states I have not shown the service was not provided. At this point, I have no airline ticket and yet I still show a balance of {$450.00}. I have explained this repeatedly to Chase and XXXX XXXX but while I have gotten credit for XXXX tickets, I can not get them to credit the last which never should have been billed to me.
Consumer complaint received 2021-04-07
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. (LA)

XXXX XXXX XXXX should not be reporting to Equifax ; XXXX XXXX XXXX lates for the months of XXXX and XXXX, 2020. ( Please see pages attached from my credit report. I have also attached a copy of my drivers license for identification purposes. ) The vehicle was stolen and when it was recovered it required extensive work with the auto mechanic. I contacted XXXX and was granted a payment extension. ( Please see the attached letter from XXXX titled Payment Extension Notice for reference. ) This false reporting of lates on this account is seriously harming my credit score and these lates need to be removed. Also, Equifax ; XXXX XXXX XXXX are reporting this account as not in dispute. This account is in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (TX)

The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.
Consumer complaint received 2021-04-07
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: EQUIFAX, INC. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX BANK, XXXX. - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Original Creditor : XXXX CXXXX XXXX  ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


XXXX. XXXX XXXX  XXXX  XXXX XXXX Original Creditor : XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX OF XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX DC on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2022-08-08
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. (GA)

In accordance with the Fair Credit Reporting Act XXXXXXXX  Account # XXXX U.S. Department of Ed, # XXXX U.S. Department of Ed, # XXXX U.S. Department of Ed, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, has violated my rights. 




15 U.S.C 1681 section 602 A. States I have the right to privacy. 




15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-11-10
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)

Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.