davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-04
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. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XX/XX/XXXX( Original Creditor : XXXX XXXX XXXX OF XXXX ) XXXX Balance : {$230.00}XX/XX/XXXX ( Original Creditor : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XX/XX/XXXX XXXX Balance : {$26.00} ALLY FINCL XXXX Balance : {$0.00}
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

After recently reviewing my credit report I noticed several inconsistencies regarding the account XXXX in the DATE OF LAST ACTIVITY, DATE REPORTED & DATE OPENED sections. First, Experian is reporting XX/XX/XXXX as the date of last activity, while you are reporting XX/XX/XXXX as the date of last activity. Next, Experian is reporting that XX/XX/XXXX as the date reported, while you are reporting XX/XX/XXXX as the date reported. Finally, Experian is reporting date opened as XX/XX/XXXX, while you are reporting XX/XX/XXXX as the date opened. All these dates CANT be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. 

These companies have failed to respond within a 30 day time frame and have also not provided the requested documentation to verify their erroneous reporting
Consumer complaint received 2021-12-21
Product: Credit card or prepaid 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. (TX)

Chase Bank : Lack of due diligence in verifying my identify before dispersing a fraudulent cash advance On XX/XX/2021 My gym locker was broken into on Monday XX/XX/2021 and my wallet was stolen from the XXXX  XXXX at XXXX XXXX XXXX in XXXX. I filed police report for the theft of the wallet with the XXXX police department ( Report # XXXXXXX ). My credit cards were then used fraudulently at the Chase bank at XXXX XXXX XXXX in XXXX to withdraw a {$2000.00} cash advance. I immediately contacted XXXX  XXXX XXXX notified you of the fraudulent transaction and requested a replacement card. 
On XX/XX/2021 I drove to the Chase bank ( XXXX XXXX XXXX ) and spoke in person to the bank manageXXXX ( XXXXX ( XXXX XXXX XXXX ) ) and she in turn spoke to the bank teller who performed the fraudulent transaction. She stated that the individual came into the bank and made an in person " cash Advance '' at the bank tellers counter. Although the individual did not have a PIN number for the XXXX XXXX XXXX Credit Card, the bank teller gave them the money using my stolen driver license and Chase ATM card as identification. The individual was wearing a face mask, hat and sun glasses. 
The Chase Bank Teller did not ask the individual to remove his mask to confirm his identity due to Covid. 
The Chase Bank Teller did not validate the signature provided with the one they have on file. 
The individual also attempted to change PIN numbers on my Chase accounts, which was not allowed and this flagged an alert to the teller who then sent an alert communication to other Chase branch concerning my account. I asked for a copy of this alert notification and Chase stated to was a privileged internal communication and they would not share it with me. 
In addition, the thief also attempted a {$2000.00} withdrawal from my XXXX XXXX account which was denied. I have the email notification from XXXX XXXX concerning that blocked transaction : I have also filed a police report with the XXXX police department XXXX where the credit fraud occurred ( see attached ). 
I tried working with the Chase Bank XXXX on several occasions ( XX/XX/2021 and XX/XX/2021 ) and indicated that the Bank XXXX did not perform their fiduciary responsibility by performing due diligence in verifying the identity of the person withdrawing a cash advance from my stolen credit card. They stated it was simple human error and they cant ask people to take off their masks due to Covid. They said there was nothing they could do.

I feel that Chase bank bears the responsibility for this fraudulent activity by not adequately verifying my identity before issuing the funds from my stolen XXXX XXXXXXXX XXXX credit card.
Consumer complaint received 2022-07-22
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. (NY)

I have reached out to the credit bureaus, and they said that they verified the information from my credit report during their investigation. But how is that possible when the last date active was incorrect, the account type is also inaccurate. This is definitely grounds for removal, which they have violated my rights under 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 2022-11-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: IQOR US INC (NC)

I was renting an outdoor storage space from XXXX XXXX located at XXXX XXXX XXXX XXXX, NC. XXXX and on XX/XX/XXXX I notified them I would be vacating the property on or before XX/XX/XXXX through the XXXX XXXX XXXX XXXX XXXX I received confirmation of my move out date and did not reenter the property after XX/XX/XXXX. On XX/XX/XXXX the app notified me I had a pending payment due for XXXX which I promptly called the XXXX XXXX XXXX # and spoke with a party to discuss my previous move out statement and timing. The attendant told me not to worry once the location returned they would review my history and complete my move out date of XX/XX/XXXX. On XX/XX/XXXX I received a letter from Allied Interstate LLC who stated they were a debt collector pursuing the charges on behalf of XXXX XXXX. I explained my situation in both an email and by phone which resulted in no additional action taken to absolve the amount pursuant by XXXX XXXX. It is unreasonable that XXXX XXXX never contacted me and only immediately sent this to a debt collector who at this time is pursuing charges not owed.
Consumer complaint received 2019-10-21
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)

On or around XX/XX/2019 I disputed inquiries on my Experian credit file that were on there without a permissible purpose with Experian via Certified U.S. mail and received a Return Receipt. See enclosed. Experian only addressed and deleted two ( 2 ) inquiries, but failed to delete the eight ( 8 ) inquiries illustrated in my correspondence.
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

This incident involves Capital One/Cabela 's XXXX I was frauded in XXXX. I didn't have a charge card nor had I ever seen this charge card. I was advised of the existence of this charge card in XXXX by my personal banking institution. At that time Cabela 's was advised of this. 
After numerous attempts to have myself removed from this mess, Cabela's/Capital One chose to drag me into a court room. My attorney was costing me {$250.00} an hour. We reluctantly settled outside the court room to offset the already {$3000.00} in legal fees i had to pay for something I had nothing to do with. We settled for {$1500.00} on about {$8000.00} in fraudulent charges. The case was dismissed " WITH PREJUDICE '' in a XXXX Michigan court room meaning it is done forever, no except for. Capital One then filed a fraudulent XXXX against me with the IRS. My attorney corrected them after a lengthy dispute. Capital One then filed a corrected 1099-C with the IRS cancelling out their fraudulent claim. This was followed up with a letter from Capital One admitting I had been frauded. At a later date we confronted Capital One requesting refund of the settlement money and legal fees that I should never had to be involved with. Capital One refunded my settlement money but after ( 3 ) attempts to the CEO to recover my legal fees, they are refusing to do so. I am not asking for anything I don't deserve. I had nothing to do with this mess. My credit was damaged through this entire event but Capital One rectified that matter. I want my legal fees refunded.
Consumer complaint received 2022-04-27
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. (IL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2022-04-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (OH)

LVNV is on my credit reports saying I owe a balance of {$1200.00}, but I have no accounts that have/had a balance of {$1200.00}. 

I have also never received anything from an LVNV by mail, I did not get a Regulation F letter
Consumer complaint received 2019-10-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Our office notified Capital One that XXXX XXXX passed away and that we were acting as his representative. We advised Capital One that we would notify them if an estate opened. 

After receiving our notification, Capital One began sending letters to the former business of the decedent stating, " We're trying to find the person who has the authority to pay the outstanding bills of XXXX XXXX XXXX out XXXX XXXX XXXX XXXX 's estate. '' Since we wrote to Capital One providing them with an address to communicate about the debts of the decedent, there was no proper reason for them to contact the former employment address. Capital One was provided with an address to send any questions or correspondence.
Consumer complaint received 2022-12-19
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. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX - {$150.00} XXXX XXXX XXXX XXXX - {$4700.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX XXXXXXXX - {$13000.00} XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXXXXXX - {$450.00} XXXX XXXX XXXX XXXX XXXX {$710.00XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$75.00} XXXX XXXX XXXX XXXXXXXX - {$190.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$290.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$130.00} XXXX XXXX XXXX XXXX XXXX - {$170.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$1400.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$75.00} 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (CA)

Good day, one of my checking account ( ending in ... XXXX ) was closed by JPMorgan Chase with over {$9000.00} within it, however a great deal of it ( ~ {$6000.00} ) is currently being kept in suspense and would not be released to me. These were checks I received from XXXX XXXX XXXXXXXX XXXX XXXX for my commissions and bonuses when I was working there as a Life Insurance Agent. 

I have tried to contact customer service through phone numerous times and I was told that it is in suspense because verification from the maker of the checks is needed. However every time they tried to contact XXXX through a verified business number, they couldn't get in touch with the person needed to verify these checks. 

Of course, I have tried also to deal with XXXX  on my end, and it would be a simple process if they could call one of my manager at the branch office in XXXX XXXX at XXXX and have her verify these checks. However they mentioned that they can only contact XXXX through a verified business number, which is the Home Office in New York that they have so much issue getting in touch with. 

My question is why did Chase allowed these checks to clear and the money withdrawn from the maker if they weren't verified? 

The money was allowed to cleared and enter my account, of which Chase ended up closing to deny me access to my money. 

If the checks weren't cleared and the money was still in the maker 's hand, I could request XXXX XXXX XXXX to cancel these checks and reissue new one to me, alas that is not the case. If the checks were allowed to be cleared, I believe that is sufficient ground to prove that the checks in legitimate and a suspense is unnecessary. 

The money has been put on hold for over a week now, and I am in dire need of it to pay my bills, my rent, groceries, and various other expenses. I would greatly appreciate it if this issue regarding the suspended fund is dealt with.
Consumer complaint received 2022-04-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/XXXX, my debit card ending in XXXX and attached to my Bank of America XXXX XXXX account was charged with 3 fraudulent charges totaling {$230.00}. I called Bank of America and reported the fraudulent charges and they credited the 3 charges while the fraud claim was investigated. 

In XXXX, the Bank sent me a letter stating that 2 of the charges were found to be fraudulent and credited me {$140.00}, but a 3rd charge for {$89.00} was determined not to be in error by the " merchant '' for a product I never ordered and never heard of. I called the Bank and told them I didn't agree with their findings. All three of the charges were fraudulent. The bank 's claim department stated the " merchant '' showed proof by showing that I agreed to the " merchant 's '' Terms & Conditions, gave my credit card number and there was a USPS tracking number and a phone number for the " merchant 's '' customer service line.

I went to the USPS tracking website and entered the provided number. It shows something that was shipped 2 weeks prior to the date of the charge. It also shows something delivered to XXXX, NC, but provided no delivery address. I also tried calling the customer service number only to get a recording that the number was not in service. 

When I called and wrote back to Bank of America about these 2 obvious false claims, their response was that I needed to send more proof that I didn't place the order for this item ( Keto supplements ). I asked if the Claims reviewer checked on either of these 2 obvious errors but they didn't have any information about that. I told them that I couldn't prove to them a negative since I never a ) visited the website, b ) ordered the product nor c ) approved the Terms & Conditions. What I did do was I reported the charges the day they were fraudulently made to my debit card. The Bank initially credited my account but then allowed the charge to go through after my initial report and follow-up rebuttal.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I recently mailed letters out certified mail to XXXX and Equifax to remove incorrect addresses from my credit profile it has been over 30 days and I just purchased a updated credit report and the addresses are still on my credit report and they even added a address to my report there should only be one address on my credit report
Consumer complaint received 2021-08-27
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. (PA)

I've disputed this account and submitted an FTC report for this fraudulent account. The company keeps changing their name as well. I need this account deleted. I did not apply for it.
Consumer complaint received 2020-07-05
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2023-04-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I HAVE BEEN COMPLAING ABOUT COMPANY SINCE 2021. THEY HAVE STOLEN MY INDENTITY, USED ABUSIVE LANGUAGE TOWARDS ME AND HAVE DEFAMED MY CHARACTER BY REPORTING FALSE INFORMATION TO THE CREDIT BUREAUS. PORTFOLIO RECOVERY COMPANY HAS CAUSE ME TO HAVE XXXX XXXX XXXX  XXXX  DUE TO THEIR ATTEMPT TO COLLECT A DEBT THEY CLAIM I OWE. I HAVE BEEN BACK AND FORTH WITH THIS DEBT COLLECTOR AND HAVE YET TO GET ARE RESOLUTION.
Consumer complaint received 2019-10-21
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. (FL)

On or around XX/XX/2019 I disputed inquiries that were on my credit file without a permissible purpose with TransUnion via Certifies U.S. mail. TransUnion received my dispute as confirmed by the enclosed Return Receipt. TransUnion failed to investigate and/or deleted the unauthorized inquires and instead provided an explanation of the inquiries.
Consumer complaint received 2019-03-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX, I purchased a car with the promise of a 60 month loan term. The auto loan was financed by Capital One Auto Finance. Every document given to my by the dealership reflects a 60 month loan term. The dealer did not provide me with a copy of the Retail Instalment Obligation contract that the dealer assigned to Capital One Auto Finance. I am XXXX years old and believed I was about to make my last and 60th loan payment. Capital One Auto Finance insists that my loan term is for 63 months. In XX/XX/XXXX, I complained and Capital One Auto Finance sent me a copy of a letter that they allege was mailed to me in XXXX outlining a 63 month loan term. Capital One Auto Finance has not provided me with a copy of the Retail Instalment Contract. I do not know what kind of bait and switch tactic was used but there has been three ( 3 ) extra months added onto my auto loan in a very deceptive way. I was XXXX years old when this fraud was perpetrated against me in XXXX. How absolutely disgraceful to financially abuse a senior citizen.