davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-22
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: Commonwealth Financial Systems, Inc. (TX)

On XX/XX/XXXX ( per credit monitoring service ), I was notified of a collection account being place on my account in the amount of {$970.00} via Commonwealth Finance. As I researched this collection account that does not belong to me, it was discovered that this was the exact same account that had been removed multiple times previously ( process documented via bureaus in XXXX  CFPB in XXXX  ) due to being fictitious, inaccurate and the inability to verify the identity associated to this account. Not only does the account not belong and the fact that you are reporting inaccurate information on my consumer report, I did not receive ANY notice what so ever prior to reporting this to the consumer credit bureaus, both of which are in direct violation to my consumer rights and FCRA. More importantly, your reckless actions have caused a drop in my XXXX thus causing additional damage. I demand that you remove this account immediately! In the event that you do not remove this fictitious account upon demand, I will take all actions necessary to seek legal action and compensation for said damages which are documented. Your prompt attention to the correction and resolution to this matter is highly recommended.
Consumer complaint received 2022-09-08
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: Experian Information Solutions Inc. (SC)

EXPERIAN, XXXX, AND XXXX ALL RESPONDED TO MY REQUEST TO VALIDATE AND VERIFY CERTAIN ACCOUNTS ON MY CREDIT REPORT TO MAKE SURE THEY WERE XXXX PERCENT ACCURATE. EXPERIAN RESPONDED ON XX/XX/2022, XXXX RESPONDED ON XX/XX/2022 AND XXXX RESPONDED ON XX/XX/2022. ALL 3 CREDIT BUREAUS STATED THAT THE ACCOUNTS WERE INVESTIGATED, VERIFIED, AND XXXX PERCENT ACCURATE. 

BUT HOW IS THIS POSSIBLE IF THE ACCOUNTS HAVE DIFFERENT OPEN DATES WHICH ARE ALL INCORRECT, THE DATE LAST ACTIVE IS INCORRECT AND THE DATE LAST REPORTED IS INCORRECT? THIS IS GROUNDS FOR REMOVAL BECAUSE IT IS PROOF THAT AN INVESTIGATION WAS NOT CONDUCTED PROPERLY AND THE INFORMATION IS NOT XXXX PERCENT ACCURATE PER THE LAW. 

THEY HAVE ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 604 A SECTION 2 : WHICH CLEARLY STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRITTEN INSTRUCTIONS. 

I HAVEN'T GIVEN THESE COMPANIES WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ON MY CREDIT REPORT AS WELL. 

THE FOLLOWING ACCOUNTS NEED TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY : 1 : XXXX XXXX XXXX ACCOUNT # " NO ACCOUNT NUMBER WAS REPORTED BY NONE OF THE CREDIT BUREAUS '' 2 : XXXX XXXX  XXXX XXXX ACCOUNT # " NO ACCOUNT NUMBER WAS REPORTED BY NONE OF THE CREDIT BUREAUS '' 3 : XXXX XXXX XXXX XXXX ACCOUNT # XXXX ( XXXX ) AND ACCOUNT # XXXX. ( REPORTED TO DIFFERENT ACCOUNT NUMBERS ) I HAVE ALSO ATTACHED PICTURES OF MY CURRENT CREDIT REPORT SUPPORTING MY CLAIM AGAINST THESE CREDIT BUREAUS.
Consumer complaint received 2022-07-29
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)

Hello. My name is XXXX XXXX. I was shocked when I reviewed my credit report and was saddened to learn that you somehow verified the disputed item 's below, electing to leave them on my report. These are accounts that is not mine and I have no knowledge of these accounts. 

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA XXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX XXXXXXXX - Account # XXXX XXXX XXXX XXXX  - Account # XXXX
Consumer complaint received 2022-07-29
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Date : XX/XX/2022 Dear XXXX XXXX XXXX l, First Name & Last Name, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. Account Name : Capital One Account Number : XXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy. 
15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
Delete this account immediately, unless you want to be held {$1.00} XXXX per violation XXXX. Account Name : Capital One Auto Account Number : XXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy. 
15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
Delete this account immediately, unless you want to be held {$1.00} XXXX per violation Sincerely, XXXX XXXX
Consumer complaint received 2022-09-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monarch Recovery Holdings, Inc. (TX)

I have contacted Monarch Recovery Management Incorporated on several occasions to obtain a receipt of payment for a debt with XXXX XXXX. They keep sending me a receipt saying that " in the event that your funds are returned unpaid by the bank, this letter will be null and void. '' I need a letter indicating that the debt was settled and that they have received their funds. These folks were paid over a year ago. 

I called again today and spoke with the same supervisor and she says that this is the letter that is created by them. She could not send me a letter without that statement attached to it. She told me that I was welcomed to file a complaint with your office. 

I have to wonder if they are a legitimate company since my credit report still reflects the accounts as a charge off.
Consumer complaint received 2022-07-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-07-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2022, I sent out a letter to Transunion, in reference to three inquiries that was on my consumer that were deleted. I notified them that deletion was admission Pursuant to 15 USC 1681n civil liability for willful non-compliance. I was violated my rights to privacy. 

XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

There appear to be a internal coding error of inaccurate information VIOLATION OF FCRA AND REQUISITE XXXX COMPLIANT REPORTING STANDARDS nonconsensual reporting to my consumer file in connection to said mentioned UNAUTHORIZED INQUIRY XX/XX/2021 XXXX my consumer right to privacy has been violated pursuant to 15 U.S. CODE 1681 section 4. congressional finding and statement of purpose : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer right to privacy. 15 U.S CODE subsection 6801 protection of nonpublic personal information ( A ) privacy obligation policy It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumer customers and to protect the security and confidentiality of those consumers nonpublic information. 12 U.S CODE SUBSECTION 1843 Interests and nonbonding organizations ( k ) ENGAGING IN ACTIVITIES THAT ARE FINANCIAL IN NATURE 15 U.S.C CODE DEFINITIONS ( 3 ) ( A ) ( 4 ) NONPUBLIC PERSONAL INFORMATION
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

I started an account with Chase Bank roughly a little over 3 years there. I am a military veteran so they said oh we have military banking you can get free checks, no atm fees and a free safety deposit box. It took about a year to get the safety deposit box, they called and asked if I still wanted it about a year later. So its been free for 2 years now. Today I check my account and they took {$55.00} out of my checking account for rent on my safety deposit box i immediately went to the bank and gave them my safety deposit box keys back and closed the account. I have the documentation to support the closing of the safety deposit box. I then asked for my {$55.00} back, they said they will not refund it. Now as far as I know when you rent something you pay for it before you occupy it. So Chase bank just took my {$55.00} with no explanation other then some smug manager saying oh its in litigation and we arent giving refunds This is not acceptable and I would appreciate any help that you can give me on this matter. 

Thank you, XXXX
Consumer complaint received 2024-12-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: NETWORK FUNDING, L.P. (TX)

Down payment ( against loan total ) on XXXX XXXX of {$100000.00} & first monthly of {$1600.00} have not been posted with Network Funding. 
Several attempts to resolve issue with Network have been made but no progress.
Consumer complaint received 2022-08-21
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: ALLY FINANCIAL INC. (OH)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

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 any purpose.
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

I opened a XXXX XXXX XXXX credit card with Chase on XX/XX/2022. The intro offer during this time was 5 free nights, worth up to 50,000 points each when spending {$5000.00} in the first 3 months. 
Documented here on XX/XX/2022 : https : XXXX : XXXX Documented here on XX/XX/2022 XXXX XXXX XXXX XXXX : XXXX Documented here on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX //creditcards.chase.com/travel-credit-cards/marriott-bonvoy This is also documented by numerous Chase affiliates : https : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX https : XXXX : XXXX Chase has told me that they now can not honor this offer because I " did not qualify ''. They said my account was set up with a 3 free night ( each at 35,000 points ) bonus and there is nothing they can do. 
I was told this offer was email only ( nowhere in the terms or advertising documented is this specified ) and that the offer had certain criteria I did not meet ( again, nowhere is this documented or communicated ). 

Chase is using false advertising to gain customers and is not honoring their advertised offers.
Consumer complaint received 2022-10-05
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had found flights through Capital One XXXX  for a trip to XXXX  with my partner ( XXXX XXXX ) who is also a Capital One member. When we had decided to purchase these tickets on XX/XX/XXXX a notification came up on my screen stating an additional {$81.00} per ticket had been added. This happened seconds after my partner booked her flights for the correct price with no additional fee and as I was inputting my payment info, Capital One XXXX XXXX  credit card ending in XXXX. I immediately called Capital One XXXX  with hopes to have the price matched to the original price that I attempted to book. After the service representative failed to grant my request, I stated that I would not be purchasing my flights with Capital One XXXX but through the airlines directly, which I did so shortly after. Once, I ended the call with the Capital One sales representative, I closed the tab on the booking page, never having clicked book or purchase tickets, and went about my day to search and purchase tickets through XXXX ( Confirmation Number ( s ) XXXX, XXXX ) and XXXX XXXX ( Confirmation Number XXXX ). 

A few days later Im paying my credit cards, which I do every 2-3 weeks and notice a charge from Capital One XXXX  . I immediately called them to figure out what happened as I never purchased tickets through them. They assure me that they can trace a click or prove that I booked my flights through them, which I never did. After explaining my exact actions and reassuring them that I never booked with Capital One XXXX they continued to inform me that I did something I did not do. I mentioned that there could have been a glitch or malfunction with their page or their tracking system because I am more than one hundred percent certain that I did not purchase anything through the Capital One XXXX platform. 
Regarding the second charge : While in XXXX, I stopped at a convince store to purchase gum, XXXX, a deck of playing cards and a bottle of water. After returning home and paying off my credit cards as I normally do, I noticed that I was being charged {$200.00} USD for something that should have been around {$10.00} USD. I found that the conversion rate is close to what the total should have been. If it was XXXX pesos, it would have been an accurate purchase but I was either scammed or mistakenly charged in USD. Capital One claims that I need to have the paper receipt to dispute this obviously incorrect charge. 
I've spent days on the phone with capital one to resolve this issue of false charges and have only been given a {$100.00} goodwill credit.
Consumer complaint received 2022-09-27
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I

n Accordance with the Fair Cr edit Reporting Act, Capital One has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish account without my written instructions. Under 15 USC 's 1666b a credit may not treat a payment on a credit card account under an open and consumer credit card plan as late for any purpose.
Consumer complaint received 2024-12-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Neon Newco Corporation (MD)

XX/XX/year> I received a card in the mail from XXXX that included a routing number and account number for a debit card with XXXX, XXXXXXXX XXXX, requesting activation I did not open this account or request that one is opened on my behalf. The letter instructed me to activate the card and provide the information for my direct deposits in order to get my funds up to 2 days earlier. I called XXXX XXXXXX/XX/XXXX to close the account and open a fraud investigation. The insisted that I provide them my PII information to verify the account that they were closing was the correct account. I refused because the account was fraudulently opened and I do not know what other information of mine they had. I did verify the house number of the address that they have on file since that information is outdated ( the letter was forwarded by XXXX to my current address ). 
After being transferred to the fraud department, there they claimed to have closed the account however would not verify the last four numbers of the account they closed and instructed me to contact the Federal Trade Commission.
Consumer complaint received 2022-12-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recovery Services, Inc. (DE)

I received letter from Financial Recovery Services Inc. that I owe a debt to XXXX  now XXXX  XXXX XXXX that I never incurred. The first I heard of this was in a letter that I received on XXXX XXXX XXXX. Apparently this transaction occurred in XXXX of XXXX. Besides not ever using the above mentioned services, the time frame was also suspicious in that they would not have contacted me directly but waited a year and an half to send to a collection agency to try to receive payment. I assured them that this was not my debt but they said they would need a copy of a police report to resolve this issue. I contacted the police, made a report and they suggested I come here and file a report. XXXX could or would not tell me what the debt was for or when it occurred just saying i made a small payment in XXXX of XXXX and if I checked my records it would refresh my memory. Well I did just that and no payment of the amount they stated was ever made from any account or credit card I own. I then called the credit bureaus as the police suggested and none of them had any record of any activity on my credit. I do not know the validity of XXXX but all signs point to this being a shakedown.
Consumer complaint received 2022-11-16
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. (CA)

I have read that Transunion is guaranteed to fulfill the FCRA regulation section 605b but regardless of all my labors to notify Transunion about the theft of my Individuality and that the items were never mine, Transunion never feel a concern nor paid any care to my Disputes. They became neglectful of the FCRA law and continued reporting this information on my File without Proper Confirmation or Examination. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the account below : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (AK)

On XX/XX/XXXX I called and paid the full balance of an older charged off account with a Debit Card. On XX/XX/XXXX I called and spoke with a representative and I was told that they would email me a letter in 1-24 hours and it has now been 3 days. Today, XX/XX/XXXX, I called again and asked for the letter to be emailed or faxed and XXXX ID XXXX stated that Citibank will not send me any proof of payment at all for 15 days. I asked to speak to a manager and was told they will tell you the same thing. They have taken my money and are refusing to provide me receipt of payment.