davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-04
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AmeriCollect (SC)

this is my response to your frivolous and deceptive response through CFPB portal. even though you have completely ignored my original letter stating you're in violation for reporting a account based of payment transactions for medical products or services under 15 USC 1681a ( 3 ), in your response you have committed multiple violations under the ****** you have used a logo/symbol which indicates that you are in the debt collection business which is a violation of law under 15 USC ****b ( 5 ) which is infringement of my right to privacy. you have also presented a false and misleading representation as you have only stated that the communication was from a debt collector but not the remaining part of 15 USC ****e ( 11 ) which requires you to state that you are attempting to collect a debt and any information will be used for that purpose in each SUBSEQUENT communication. I am also aware on my consumer report you are reporting as my creditor in regard to this account but according to the definition of a creditor pursuant 15 USC ****a ( 4 ) any person to the extent that receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another is NOT a creditor. making you in violation for furnishing a deceptive form under 15 USC ****j. You are a third-party collection company and lawfully can not validate any of my debts therefore you are reporting a invalidated account on my consumer report & have not provided proper documents to validate this debt under 15 USC ****g , therefore you are not only using unfair and deceptive practices under the ***** which i have proof of and am including in this complaint. you are also reporting a debt which is invalidated. I demand you delete this tradeline across all consumer reporting agencies immediately and no further action shall be taken on my end. failure to comply i intend to take action immediately to get justice due to the inequity you have caused me by your unfair collecting methods XXXX XXXX XXXX
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Account # XXXX I have been a Capital one customer since XXXX. 
Capital one charge me {$39.00} annually membership fee. 
capital one makes a lot of money from me in inters rate. 
Recently I have been paying off every month the charges the I made. 
but in early XX/XX/XXXX capital decided to close my account. 
they wait until I max out the credit card. 
They claimed that I did not talk to I customer serve rep right and the conversation was from in XX/XX/XXXX. 
So why they didn't close the account from in XXXX are XXXX. 
And they did have the decencies to inform me, so I don't used the card. 
I find out when XXXX alert me that my account was closed. 
by capital one closed my account my credit score went down by XXXX points
Consumer complaint received 2023-03-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NJ)

During the Covid-19 pandemic. I had trouble paying my mortgage. I reached out to then BB & T for a deferment payment plan. After agreeing verbally to a deferment, multiple attempts to receive the necessary paperwork to make it official seemed to get lost in the shuffle. Attempt after attempt different reps telling me there sending new paperwork out and still nothing came. Recently I made a payment of XXXX on XX/XX/22 with rep XXXX XXXX. XXXX also stated that the merger between BB & T And Truist may be the reason behind the miscommunication and that she would personally have someone to look into fixing this issue. And she called back a week later saying she exhausted all of her options and that somebody else would be reaching out shortly and never did. Also XXXX XXXX is another rep to claim to help but XXXX said she didn't do anything on my account. Other reps also called but they would let the phone ring enough to hang up or if I answer would hang up in my ear..
Consumer complaint received 2023-04-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward that the disputed items will be corrected ASAP. Thank you. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have been a victim of IDENTITY FRAUD due to my PERSONAL INFORMATION being compromised in the XXXX DATA BREACH. Please remove these accounts from my credit report. 


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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/23 at XXXX, Chase emailed me saying that my credit card was added to an XXXX XXXX XXXX. I do not use XXXX XXXX and did not lose my credit card. They sent another email saying my card was used in " XXXX XXXX '' for {$970.00} at XXXX. I have my own house that is fully paid off. I would not be in a luxury apartment building. I got another email saying Chase canceled an unauthorized XXXX payment to someone I do not know at XXXX. Another XXXX payment was canceled to a different person at XXXX. All throughout this time, Chase locked me out of my online banking. The next morning, XX/XX/23, I go to recharge my prepaid SIM card for my phone and I am told that my number has been stolen. On XX/XX/23 at XXXX, another XXXX payment was canceled to the same person from the previous night. I go to my local Chase branch and I find out about the following unauthorized transactions : 1. Savings account transfer to my checking account = {$3000.00} 2. Daughter 's college checking account to my checking account = {$1800.00} 3. Unauthorized XXXX payments = {$1500.00} 4. " Memo POS DEBIT IN *P '' = {$8400.00} I filed a claim with Chase XXXX XX/XX/23 from around XXXX. I have also closed my checking account, savings account, and daughter 's college checking account since then. The bank teller told me they would send a check in 2 weeks or give me a letter following up with my claim. On XX/XX/23 at around XXXX, I went to the XXXX and filed a police report. I got assigned to the local detective. On XX/XX/23, I submitted the police report to Chase. On XX/XX/23, Chase sends me an email crediting {$1500.00} to me because they agreed the transaction was unauthorized. I did not even receive a check for this, how are they crediting this to my account? I have emails from the post office that tracks all my incoming mail to further back this. Even so, I am still missing my {$8400.00}. I went to the bank today XX/XX/23 to follow up because I have not heard anything from them. They said I never filed a police report or it's not in their records. They also said that they rejected my claims and are closing my report because the transactions seemed normal?! They drained my entire bank account for the first time in the XXXX decades I've had Chase and said that this type of activity was normal. They would not let me know where the transactions were made, who they were paid to, etc.
Consumer complaint received 2023-04-06
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. (NC)

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX # A XXXX XXXX, XXXX  XXXX XX/XX/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  XXXX XXXX Balance : {$470.00} ; XXXX OF XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$530.00} ; XXXX XXXX Balance : {$260.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ENCORE CAPITAL GROUP INC. (OR)

I have tried to request my credit report numerous times over the last 2-3 years and was unsuccessful until very recently. For one reason or another I was blocked completely and couldnt access my own credit report. I am having the same issue with several email accounts, unemployment insurance, and a variety of other very important personal information including my tax returns and IRS account.
Consumer complaint received 2023-03-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/XXXX XXXX initiated a wire transfer in amount of {$13000.00} from XXXX XXXX Account to Chase Bank. Reason - XXXX XXXX. Posted & account debited. 
XX/XX/XXXX Wire transaction completed & obtained Federal Reserve Tracking number. 
XX/XX/XXXX thru XX/XX/XXXX no funds received in recipient 's Chase Bank account. 
XX/XX/XXXX Still no response from Chase Bank. XXXX determined they input an incomplete account number but had the correct bank routing number. They initiated an XXXX. 
XX/XX/XXXX Still no response from Chase Bank & {$13000.00} not in the recipient 's account. XXXX initiate a Recall. 

Recipient contacted Chase bank repeatedly over these weeks via phone to no avail. 
XX/XX/XXXX recipient called the local Chase Branch Vice President requesting his assistance & provided him the Federal Reserve Tracking number. 
XX/XX/XXXX Recipient met in person with the Chase Bank VP however he had no update. 
XX/XX/XXXX recipient provided the Chase Bank VP with a copy of the XXXX Wire Transfer XXXX form confirming the wire went to Chase Bank. 
XX/XX/XXXX Not a single response from Chase Bank to date. The {$13000.00} remains unaccounted for. The funds are not in the sender 's account nor in the recipient 's account. 
FIVE weeks is too long for a Wire Transfer to post at Chase Bank. I can not attach the Wire Transfer Transaction form below due to the identifying information.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Experian responsibility to maintain reasonable procedures and 100 % accuracy in the information their reporting Per 15 usc 1681e ( b ) they have failed in doing so. Experian, Is violating the FCRA and have failed to delete this inaccurate information from my credit file, i've disputed and requested for Experian to verify in collection accouunt information XXXX XXXX XXXX they are reporting on my credit report and they have failed to do so. It has been over 45 days for Experian to conduct a proper investigate of the disputed information. by law if a investigation has come and the information being disputed can not be verified, it must be deleted.
Consumer complaint received 2022-11-21
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: Consumer Portfolio Services, Inc. (AR)

15 USC 1681 Section a Section 1 Section a : 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.

15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

11 USC 362 Section c Section 3 : Chapter 7 Bankruptcies must be dismissed.

15 USC 1681 Section b Requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information.

18 USC 894 : Using unlawful extortionate means is a violation.
Consumer complaint received 2023-04-06
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. (NC)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : NONE XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX & XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

This is my several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/2021 ; XXXXXXXX XXXX XXXX  Balance : {$2300.00}.
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (FL)

Two of my accounts in my credit report are reporting late payments, one is for my XXXX car during the Pandemic period and the other one is for the Mortgage of my house, the latter has been transferred from several banks and I have never failed to pay a single one month.
Consumer complaint received 2023-03-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (PA)

JP Morgan Chase Bank I deposited a check in the amount of XXXX online which they allowed me to do by the app and they froze my checking and savings accounts since XX/XX/2023 because they marked it as a fraud only because they wanted to confirm the source. I told them it is a payment for a divorce agreement in which I give my rights on a house I had in my marriage. 
They were trying to contact the person that issued the check and then finally did and confirmed he made the check. 

The check was confirmed and after that the account still frozen because now I have to provide prove of my new address in which I moved two weeks ago and I made the mistake to change my address on my account. 
They tell me my drivers license with previous adddress, my taxes, my social security number, my date of birth or my pin or my new address lease is not enough to unlock my account. 
Also that it was fraud cause I deposited online which in first place they allowed me to do and they transferred that money from the other persons account into mine. 

Chase bank also send a letter that they are going to close my accounts if they dont fix this problem which is not my fault at all. 
If they dont allow that amount to be deposited online they have to state so in the app or somewhere. 

I already showed them my identity in multiples ways and the account is under my name only and they still no giving me my money. 

To my disgrace I realized my accounts were locked when the police was taking my car with a tow truck because I parked in a wrong spot and I tried to use an atm at a gas station.
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (GA)

First Progress has accepted payments for my 2 credit card accounts and has failed to credit my accounts. I have always made the payments using bill pay from my bank account and the payments process has never been an issue. I also have NEVER been 30 days late with these 2 accounts I have with First Progress. I processed my payments for my accounts via my bank account on XX/XX/2023, and my bank confirmed that First Progress accepted those payments on XX/XX/2023. My payment never posted to my account and First Progress has taken my money. I spoke with several representatives from first progress that assured me that my account would not reflect 30 days late if I faxed over the proof of my payments being sent from my bank account. I sent them over the information requested a total of 3 times via fax and First Progress has still not removed these late payments from my credit report. They have not posted the payments to my account and have not returned the funds either. I demand my account be changed on my credit report to reflect always paid as agreed, removing the 30 days late. I have attached the information for your viewing.
Consumer complaint received 2023-04-06
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. (TX)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance XXXX {$910.00} XXXX XXXX Original creditor CXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX Inquiry : XX/XX/2022 XXXX XXXX - XXXX XXXX Balance : {$910.00}
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 

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 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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-06
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. (SC)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX  XXXXXXXX XXXX XXXX XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX BANK XXXX XXXX XXXX {$120.00} ; XXXX XXXX XXXX Balance XXXX {$3700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$7800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ;