davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (AZ)

This is my second CFBP compliant. I am asking for PROOF of a 1099-C that was NEVER RECIEVED at my then address XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The response from Chase simply says yes we did and no we didn't receive anything back. The 1099-C HAS NEVER BEEN RECIEVED at anytime when I lived in that address. In addition you have NOT PROIVDED ME WITH A COPY as requested. You did provide me we letters you state were sent to me by 3rd party collector that my ACCOUNT WAS SOLD TO back in XX/XX/XXXX/XX/XX/XXXX, which makes it hard to believe that Chase can write off my account after they sold my account to 3rd party collectors. I am continuing to dispute the 1099-C that was allegedly just " mailed '' not with any signature requirements in XX/XX/XXXX. If Chase was planning to write off this debt which appears they " bought '' back from 3rd party collectors then I should have been notified in writing of such and been offered the opportunity from Chase to attempt repay the debt they had bought back. 

After receiving the first response from Chase EO I have contacted XXXX at XXXX ext XXXX as well as XXXX and left messages with NO RESPONSE.
Consumer complaint received 2020-11-13
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. (NJ)

Creditors are inaccurately reporting items on my credit report. It was brought to my knowledge and I put in for disputes and answrs over 90 days ago and still nothing has been resolved! I have attactched my letters to prov it ..
Consumer complaint received 2020-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Direct Recovery Services, LLC (NJ)

XX/XX/2020- I often get scam calls on my i-phone. If the phone has a name, I pick up-if it's an unknown number, I don't pick up. Often the phone will state SCAM. I kept getting a call fromXXXX XXXX an unknown entity so I didn't pick up. THEN that caller phoned two of my friends! How could they have my friends ' numbers? My friend picked up and the caller asked for { my name } so my friend asked who they were and they said directrecovery Inc. so my friend gave me that number. I called what I assumed was a debt collect agency. They said I had a debt with XXXX XXXX XXXX and I told them I have never ordered anything ever from that company. They stated they would proceed with collecting the debt from my bank account. THEN they hung up. I tried to call back and no one ever picked up. They would not tell me the amount of the false debt. How could they have my bank account? How did they have my friends ' phone numbers? How can I stop them if they somehow have access to my bank account?
Consumer complaint received 2020-04-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CT)

The below complaint was filed with the CFPB against CCS, they claim their client confirmed amount is correct but have not shown any proof of such. Also, a payment was mailed soon after cancellation date. A prorated amount was generated and payment was mailed in form of a money order. It appears payment was either lost in the mail or intercepted by a third party, there is no copy of money order available to provide. I submitted the below complaint prior as it appears XXXX XXXX is attempting to collect when payment was sent and an incorrect amount, does not appear prorated. 

CCS claims I owe an amount of {$1800.00} to XXXX XXXX for auto insurance policy which was canceled soon after the policy was purchased. The amount is the down payment to start policy which I believe includes two months of coverage, possibly first and last month, I am not certain. The policy was canceled soon after purchase date, I believe a week or two after. It appears XXXX XXXX has not adjusted the amount to reflect cancellation, did not pro-rate it. Further, several attempts were made to debit my account for amount despite cancellation prior. These attempts caused several overdraft fees which I was not reimbursed for and I believe XXXX XXXX is responsible for as it is in their error for making attempts. Needless to say, I do not owe full amount and am disputing it as again, it does not appear to be pro-rated, {$1800.00} is an unusually high amount for a down payment even for two months of coverage. I suspect XXXX XXXX is adding on bogus fees to inflate the balance further. In closing, please advise CCS I will not pay such a high amount, it needs to be adjusted to reflect correct amount as well as overdraft fees.
Consumer complaint received 2023-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 2020-11-13
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

After bankruptcy was filed what was the agreement between me and Mortgage Company I went into a repayment program I paid a lump sum of money and I was making monthly payments eventually I paid the house off they knew it was wrong for them to go into this payment plan with me and accept money but they used a rule that I did not know about I'm not a bankruptcy attorney they knew the acceptance of any money for any bankruptcy was against the law they knew that any money given to them should have been turned over to the Trustee since their answer includes a quote of the manner of law in which bankruptcy accounts are applied then return the XXXX plus that was sent in payments and reinstatement fees they got close to XXXX for a XXXX balance no matter what XXXX quote they committed fraud they took money that they knew to be turned over to the Trustee to the bankruptcy court they failed to report that any payments was being made they hid this fact if they not intentionally want to hide facts then why wasn't it reported why they didn't send back the payments and inform me to give them to the bankruptcy why didn't they make this fact clear to me as they are in their answer to my complaint to you ... because This Mortgage company has a history of their fraudulent and deceitful ways to many customers their answer to you is a simple script from a real estate book but the facts remain they took the money regardless if i applied bankruptcy they knew the laws it is their hob to know they never said sorry send your payments to the courts they took them and since over XXXX XXXX  was paid to pay off the loan I want my XXXX XXXX plus back. This Mortgage company defrauded me ( period ) ref to complaint numbers XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) I have not wavered about my complaint over the years. If CFPB are here to assistance when consumers are taken advantage of by companies are not complying why am I still seeking the case?
Consumer complaint received 2020-11-13
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. (GA)

I sent dispute letters to Experian, XXXX, and XXXX  on XX/XX/2020. It has been 30 days and I have not received the results of my investigation.
Consumer complaint received 2023-01-19
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. (TN)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated or corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items will be repaired immediately : Original Creditor : 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 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 2023-01-19
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. (GA)

Hello my name is XXXX XXXX and im a victim of identity theft. i need the following accounts to be removed from my credit report. i have submitted documents to the credit bureaus multiple times and the items still havent been removed. Ive also contacted the creditor about this matter. My credit card was stolen a few years ago. O ended up getting a replacement card but didnt do anything else because I didnt have much knowledge about credit. One day I decided to start using it an created a account with the credit bureau to monitor and check my credit and score when I noticed fraudulent accounts. Now that Im in need of my credit Im having a hard time because of these fraudulent accounts and charges.
Consumer complaint received 2020-11-13
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After bankruptcy was filed what was the agreement between me and Mortgage Company I went into a repayment program I paid a lump sum of money and I was making monthly payments eventually I paid the house off they knew it was wrong for them to go into this payment plan with me and accept money but they used a rule that I did not know about I'm not a bankruptcy attorney they knew the acceptance of any money for any bankruptcy was against the law they knew that any money given to them should have been turned over to the Trustee since their answer includes a quote of the manner of law in which bankruptcy accounts are applied then return the XXXX plus that was sent in payments and reinstatement fees they got close to XXXX for a XXXX balance no matter what XXXX quote they committed fraud they took money that they knew to be turned over to the Trustee to the bankruptcy court they failed to report that any payments was being made they hid this fact if they not intentionally want to hide facts then why wasn't it reported why they didn't send back the payments and inform me to give them to the bankruptcy why didn't they make this fact clear to me as they are in their answer to my complaint to you ... because This Mortgage company has a history of their fraudulent and deceitful ways to many customers their answer to you is a simple script from a real estate book but the facts remain they took the money regardless if i applied bankruptcy they knew the laws it is their hob to know they never said sorry send your payments to the courts they took them and since over XXXX XXXX  was paid to pay off the loan I want my XXXX XXXX plus back. This Mortgage company defrauded me ( period ) ref to complaint numbers XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) I have not wavered about my complaint over the years. If CFPB are here to assistance when consumers are taken advantage of by companies are not complying why am I still seeking the case?
Consumer complaint received 2019-05-12
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. (NJ)

I have 2 late payments XXXX and XXXX that was due to human error. The wrong routing number was inputted in error. We have made all payments before and after and corrected it soon as we was made aware Payment History Youve made 96 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XX/XX/2019 Current Payment Status Current Amount past due {$0.00} Worst Payment Status No Info Account Details Account status Open Type Credit Card Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Times 30/60/90 days late
Consumer complaint received 2020-11-13
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}.

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 ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.
Consumer complaint received 2023-01-19
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 ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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 2020-11-13
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 {$2200.00}. 
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 ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.
Consumer complaint received 2020-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Creditors are inaccurately reporting items on my credit report. It was brought to my knowledge and I put in for disputes and answrs over 90 days ago and still nothing has been resolved! I have attactched my letters to prov it ..
Consumer complaint received 2020-04-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Global Lending Services LLC (TX)

Loan payment 4 days late. Lost employment due to job not being essential during the current time. Global crisis and they refuse to work out anything to get them paid. Spoke with them today in reference to loan and they have nothing to say other than it's 4 days late
Consumer complaint received 2020-11-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc. (MD)

On XX/XX/XXXX, I received a XXXX  XXXX  from XXXX XXXX in XXXX, Maryland. I later received a statement from XXXX indicating that I owe {$0.00} to XXXX XXXX for said XXXX. XXXX paid a contracted portion to XXXX XXXX. I also received a statement from XXXX for XXXX indicating that I owe {$0.00} to XXXX XXXX for the same XXXX. XXXX XXXX  XXXX paid their contracted portion to XXXX XXXX. 

In early XXXX I started getting statements from XXXX XXXX, saying that I owed them money -- approximately {$59.00}. In response, I MAILED, in hard copy format, the two statements ( from XXXX and XXXX XXXX  XXXX XXXX stating that I owe {$0.00}. I continued to get bills from XXXX XXXX. 

I then called XXXX and explained the problem. They stated that they were going to send a letter to XXXX XXXX informing them that they are in violation of their contract. Shortly after, I received a letter from XXXX stating that I am not liable for the charges. 

I then received a letter from the collection agency, Receivables Management Systems. I immediately called and left a voicemail for a dispute resolution specialist. Days later she returned my call and said that she would call XXXX XXXX. 

Then I received another letter from the collection agency saying that I was going to be reported to the Credit Bureaus. 

I called AGAIN, spoke to a different dispute resolution person. She would not listen to me. She only believes what XXXX XXXX sent to them -- which is false and in error. 

Clearly, I owe nothing. I have PROOF that I owe nothing. 

The collection agency sent me an additional letter stating that I claimed identify theft. I never said such a thing!!
Consumer complaint received 2023-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, I've mailed in my dispute months ago and finally got a response from the bureaus saying they can't process my dispute because they don't believe its me. ITS ME. I AM THE ONE DISPUTING AND DESERVE A FAIR INVESTIGATION. The bureaus need to submit all of my disputes ASAP.
Consumer complaint received 2020-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

I am reaching out to Capital One as I am still looking for an answer to why my checking account funds are blocked from me being able to make a withdraw of my funds. This is the second complaint because I was questioned by the consumer protection department about an SBA loan deposit that went into my checking account ending XXXX over three months ago. But on the same day, XX/XX/2020 Capital One consumer protection department also locked my other checking account ending in XXXX and they also locked my daughter checking account ending in XXXX. I am still trying to figure out why no one in the Capital One customer service department was unable to tell me why my funds from all three accounts are being held, hostage. I joined Capital One bank because I thought it was a bank for Racial Equality, but that outlook has changed. I can not see any reason that Capital One has for holding my funds at all, but to hold it for all three is the oddest thing I ever witnessed by a bank. I feel that if Capital One had a legitimate reason for holding my funds I would have been told by now. I never ever had a bank block me from withdrawing my own money from it let alone from all three checking accounts. I also have three credit cards with Capital One and I want badly to cancel them for this matter. I know if I do I will hurt my credit history and this is the part that really XXXX me off. I can not even pay my credit card bills because I am unable to use my money locked up in these accounts. I truly hope CFPB will take this complaint to heart to help the next person who deals with Capital One godlike position to hold someone money in multiple accounts with no explanation.