davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (LA)

XX/XX/2022 Amount : {$200.00} Action taken by me : Filing a dispute. 

XX/XX/2022 Amount : {$240.00} Action taken by me : Filing a dispute. 

I had two different fraudulent charges on my account that I filed with Chase Bank who ran a investigation and they falsely determined that the charges were indeed made by me supposedly and took the money back out of my account. 

They are going off merchant proof that I received the item when in fact the only proof that the merchant XXXX provided is a selfie of me holding my license which I did some research on that sites verification process and one rule they require to verify you is to hold a piece of paper in the selfie as well saying XXXX and the date on it as well which I know for a fact I never did and the proof they provided does not show me doing that yet Chase Bank still decided the merchant was in the right so I basically got my money stolen because they did not provide anything else to show I received anything at all no tracking numbers since its an online only business or anything of the sort. I did not make these transactions nor did I ever receive any sort of product from this merchant yet they have still taken my money and refuse to give it back since a picture is enough proof. 

According to XXXX terms and services you need to have a piece of paper showing the word XXXX and the date of said transaction which the proof they provided does not show that yet thats all the proof they had to provide to steal my money.
Consumer complaint received 2022-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frontline Asset Strategies, LLC (WA)

In XXXX I switched phone carriers from XXXX XXXX XXXX XXXX XXXX XXXX I retained my original cell number. In order to keep my number when switching, I contacted XXXX and closed out my account with a representative to ensure I completed all steps. I paid my final months bill of {$75.00} and the representative confirmed that was it. Several months later XXXX started calling saying I owed them that money and when I challenged it they put a collection on my credit. I disputed the collection and it was removed in XXXX. Now almost three years later I am again receiving harassing calls and emails from a collector claiming to be collecting that same {$75.00}.
Consumer complaint received 2022-07-11
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. (NV)

Hi I am submitting thisXXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-12-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have paid of my Capital One auto loan and the account is now closed. I am owed a refund for GAP insurance from Capital One. I have contacted XXXX XXXX. ( the dealership where the vehicle was purchased ) and informed them that my Capital One auto loan has been paid off. Both, myself and XXXX XXXX. has completed the form needed to process the GAP insurance refund and this information was sent to Capital One. I have contacted Capital One several times for the status of my refund and they constantly refer me back to XXXX XXXX. for my money. XXXX XXXX. has stated the funds will come from Capital One. I need the help of CFPB to get the refund I am rightfully owed from paying off my auto loan 3 years in advance. The customer service department at Capital One refuses to let me speak to the office of the XXXX to file a formal complaint about this matter.
Consumer complaint received 2022-07-11
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-11
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. (OH)

On XXXX XXXX I received a notification from Transunion to review my credit report. I clicked into the notification and was looking through when I noticed unfamiliar inquiries from companies I never heard of before and isn't on any of my other credit reports. Per the advice of their website I contacted the individuals the inquiries were from to find out they're mortgage companies. I won my home cash since XX/XX/2014 I don't need a mortgage. I asked the respective companies to provide me on how they got my information to which they tried to ask me to verify myself with security questions that I failed. Of course I failed I wasn't the one who applied to set up any questions. They told me to call transunion. I called transunion and told them about my predicament ( granted my voice is bad due to me having XXXX ). The first young lady wasn't listening to anything I was saying and kept muting her phone. I asked for her supervisor and she transferred me to a XXXX XXXX who just kept repeating " call the creditors they're the only ones who can remove it. '' I told him a million times I did and told him what they said. It's ridiculously unfair how Transunion is reporting wrong information on my report and refuses to fox it which goes against my FCRA rights. Transunion is the only bureau reporting this false information on my report.
Consumer complaint received 2021-12-08
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. (MS)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX
Consumer complaint received 2022-07-11
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have two outstanding credit card disputes ( one dispute is two transactions Claim XXXX and XXXX, and one dispute is XXXX ). I have been working with Bank of Americas credit card dispute team checking the status, providing additional information, etc. These disputes date back to XX/XX/XXXX. 
As you can see from my communications dated XX/XX/XXXX, the credit card dispute team has provided information but they have not completed or resolved the inquiry / dispute : In one situation, the credit card dispute team told me that the two claims had been resolved in my favor ( and the credit was permanent ) but they could not send me anything confirming that information. I pointed out that I did not believe that was correct I provided an example of a claim in which they had provided me such a written confirmation. 
In the other situation, I am still due a credit and looking for similar written correspondence that the dispute is permanent and credited to my account. 

While not in my escalation to the Executive Complaints Team at Bank of America, the process has been confusing an disjointed. For example, during one call to the credit card dispute team, I asked for the fax number to send additional information related to my disputes to Bank of America the Bank of America contact ( in card disputes ) told me that they did not have that information that they could provide for me. In another case, a Bank of America contact provided me information about the disputes process ( i.e., 30 days to complete ) and when I called again another Bank of America contact told me I had been given incorrect information. 
All I am l requesting is that Bank of America confirm in writing the details of the discussions that were provided verbally and confirm that these disputes are permanent and resolved in my favor. The two letters I sent to Bank of America ( dated XX/XX/XXXX ) so indicate ( sections marked My request to Bank of America ). 
While I did not want to file a CFPB complaint, I was very clear that this would be an action step if the Bank could not complete the inquiry. I so informed Bank of America contacts when speaking on the phone. I have also sent this information to the Executive Complaints department ( via certified mail receipt attached ) and through several e-mail contacts. Bank of America has not acknowledged my escalation, and no additional information has been provided.
Consumer complaint received 2022-11-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Persolve, LLC - Legal - Series 2 (KS)

Please see attachments. Persolve can not and have not properly validated the alleged debt they are attempting to coerce a payment on. Requesting a forward flow agreement between Persolve and the creditor, the aggregate value of the debt Persolve purchased as an account that allegedly pertains to me and a receipt of the disposition sale of the car.
Consumer complaint received 2020-10-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the  securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2021-09-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I took out one loan with XXXX  XXXX XXXX. It was disbursed on one date and paid off other loans. Like a credit card that is used for multiple items at different stores, it is one trade line. When a credit account goes to collections it remains one tradeline. Same for a loan. I am submitting page two of the Department of Education Default Resolution Groups response to my local Congressman confessing they took that one loan and are reporting it as two tradelines. Clearly it is inaccurate and false reporting by multiplying and compounding adverse affects to my credit file. If they want to count them as the original subsidized and unsubsidized loans seperately those loan dates should be used and it would be far too old to remain on my credit.

I am including screenshots from the Experian website. NOTE NOT A THIRD PARTY WEBSITE. These screenshots verify the account was sold to another collection agency in XX/XX/XXXX. This is why it is showing closed with XXXX balance. This is the reason the original creditor is no longer on my credit report. It was sold to Dept of Ed Default Resolution Group and aged off my report in 5yrs because paid collections fall off 5yrs from first delinquency in NY. Since Dept of Ed Default Resolution Group sold to another agency who's address is on credit report under section Labeled CONTACT. XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX. I will also attach screenshots of the department of education. EDU website showing this address is not found anywhere in department of education. I will also include a screenshot of a web search for this address. It shows a lawyer/collection agency. There is also a statement on credit file under status Status A brief message describing your payment history with a specific account. 
" Seriously past due date/ assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department '' Screenshot also included.

Since the clock does not reset it should be removed 5yrs from first delinquency XX/XX/XXXX. In this case it should be removed within a few weeks. I have requested early exclusion on good faith because the Department of Education Default Resolution Group had been falsely reporting additiona tradelines.
Consumer complaint received 2021-12-08
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. (MS)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX
Consumer complaint received 2020-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MA)

My mortgage was settled and discharged in the XXXX XXXX registry of Deeds. Based on a masslandrecords.com search today a " Corporate Assignment of Mortgage '' was filed on XX/XX/2020 by a company named XXXX XXXX XXXX - Ocwen.
Consumer complaint received 2022-07-11
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. (NC)

The contract was executed & filed without my review from the dealership XXXX XXXX XXXX XXXX, XXXX, NC ) on XX/XX/XXXX. 
XXXX XXXX ( XXXX ) contradicts the contract, stating XX/XX/XXXX, was the initial delinquency, XX/XX/XXXX is the actual XXXX delinquency date. 
XXXX XXXX stated my account was opened in XX/XX/XXXX, in contradiction my account was open XX/XX/XXXX, and 1 payment was made XX/XX/XXXX. 
XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX failed to report payment delinquency information on credit reporting payment history. 
XXXX XXXX is furnishing re-aged payment history reference " payment history legend. '' XXXX XXXX " Payment history '' does not show XX/XX/XXXX payment & XX/XX/XXXX delinquency. 
Per Experian online credit file, XXXX XXXX is furnishing 120 days delinquent which is inaccurate and re-aged payment history. The account was delinquent since XX/XX/XXXX. I never made any additional payments. 
Referencing the 1st page attached, XXXX XXXX is redirecting me to address inaccurate information on my credit file to Experian, in contradiction it the furnisher responsibility to forward accurate and complete information to the CRA 's under FAIR CREDIT REPORTING ACT / REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. For this reason, XXXX XXXX has deliberately violated REGULATION V. Section 623 of the FCRA and Regulation V & need to remove this item from my Experian credit file similar to XXXX & XXXX who immediately removed this derogatory item from my credit file.
Consumer complaint received 2021-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (CA)

I wrote a letter asking for proof that this debt is in fact mine ( i.e, a copy of my driver license, a contract bearing my signature ). I also requested verification of this debt collectors ownership of this debt. Nothing has been provided but a printout
Consumer complaint received 2020-10-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TX)

Hunter Warfield is attempting to collect a debt on behalf of XXXX XXXX  from me in the amount of {$4700.00}. I do not owe XXXX XXXX  {$4700.00}. I contacted Hunter Warfield on Wednesday  XX/XX/XXXX because XXXX advised me to. I reached out to XXXX to pay them for the court awarded judgement that they received for a balance that I owed in the amount of {$2100.00}. 
Hunter Warfield is in violation of the FCDPA. When I contacted them on XXXX they told me that they had some fees accrue and that I now owe the balance of {$4700.00}. This is inaccurate. 
The FairDebt CollectionPractices Act ( FDCPA ) prohibits theaddition ofany interest, services fees, collection costsor other expenses incidental to the originaldebtunless it is expressly authorized by the agreement creating thedebt I have expressed to XXXX XXXX  that I have the right to satisfy the court awarded judgement against me in the amount of {$2100.00} without being bullied into paying {$4700.00} because the court did not order that amount. Neither XXXX XXXX  or Hunter Warfield are cooperating with me. Both are withholding my right to satisfy the judgmentthat XXXX receivedagainst me by demanding me to pay more that what was court ordered by Judge XXXX XXXX, XXXX XXXX, place XXXX. 
Hunter Warfield is in violation of the FDCPA and the FCRA.
Consumer complaint received 2022-07-11
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. (AL)

In accordance with the Fair Credit Reporting act XXXX account # 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 a account without my written instructions