davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (GA)

On XXXX I was in XXXX from the XXXX to the XXXX XXXX, in XXXX county Ga. I let my XXXX  ( XXXX and XXXX ) here at home, only had my XXXX with me that police took when I was in XXXX, a person that I know for 10 years was staying in my home and he was the one that took the money and my XXXX XXXX with all my info, he changes passwords and make emails aliases and took money from the XXXX account {$19000.00} dollars first he took on the XX/XX/XXXX $ XXXX $ XXXX-and XX/XX/XXXX {$4000.00} and the XX/XX/XXXX {$5000.00}, on XX/XX/XXXX {$5000.00}. 
For a total of {$19000.00}. 
Mycousing bond me out so when he know this he just took all his things and leave my home so I can not notice nothing but I came back home at XXXX and inmidiatly try to call XXXX but nobody answered then I call my bank because my debit card was linked to XXXX and they can took the last 2transactions of {$5000.00}, it was pending so she pass me with the dispute department I explain all this and they dispute the $ XXXX.but said he has to connect me with fraud department, and in here they freezes my account and debit card at next day I went to the branch and personally talk with the manager open a new account has to open a new email just for my Mobil app of the bank, and run XXXX XXXX, by the way at this point my a XXXX XXXX was complete erraise and hidden on the basement were this person was living I use my XXXX to search for the XXXX and both was loose or stolen then I only rod the XXXX I exchange passwords and all XXXX accounts all this was a lot to the point that I went to buy another phone and now the bank does not want to get involve and apply the chargers of XXXX with a XXXX excuse that I use that account on that time to-pay XXXX but that is an automatic charge so they take that like proof that I use the account I have XXXX for 3 years well that why decide not to add my money to my accct. And no dispute the charges .Now XXXX wants to charge me and the manager of the branch was especific on that I do not have to call XXXX he said because they are linked to us. He was a very helpful person he fill all the documents attached here, but the problem is with dispute even that they make me change my accounts they denied all dispute.
Consumer complaint received 2019-10-28
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ad Astra Recovery Services Inc (MO)

This company ( XXXX XXXX ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood woman with my God Given name ( XXXX XXXX : House of XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Consumer complaint received 2022-07-28
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. (NC)

IN accordance with the fair credit Reporting act, Account XXXX XXXX XXXX XXXX XXXX and Account XXXX XXXX XXXX XXXX XXXX, have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions ( I DID NOT GIVE THEM WRITTEN PERMISSION ) 15U.S.C 1681 ( 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 crime which antedates the report by more than seven year
Consumer complaint received 2022-07-25
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. (IL)

On XX/XX/2022, I sent a letter off certified, the tracking numbers are XXXX, XXXX, XXXX. 

I told them to investigate every single account on my report and the credit bureaus stated all accounts listed on letter was properly investigated but how if all information is inaccurate, including name, address, last active, date opened, and last reported. They also informed me that all address were removed that I informed each credit bureau was inaccurate. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting can not furnish an account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Consumer complaint received 2019-10-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/19, I chatted with a Capital One agent about a special promotion theyre running for existing Money Market Account holder. The promotion was to get a {$450.00} bonus when you deposit {$50000.00} or more into your 360 Money Market account from another bank by XX/XX/19. The requirement was to keep that amount until XX/XX/19 and the bonus will be paid out XX/XX/19. The agent assured me that I was eligible for the bonus as long as I met the funding requirement and kept the balance. 

On XX/XX/19, I deposited {$50000.00} to the account and maintained the balance ( to present ). 

On XX/XX/19, I chatted with another agent to ask about the bonus and the agent assured me that the bonus will be paid out the following Monday, XX/XX/19. 

On XX/XX/19, I chatted with a different agent since the bonus did not appear in my account. The agent said I wasn't eligible and denied the bonus.
Consumer complaint received 2022-11-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SANTANDER HOLDINGS USA, INC. (NJ)

I am a victim of fraud from the get-go from XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, PA XXXX XXXX and Santander Consumer USA on XX/XX/XXXX XXXX For that reason, I was misled and made an uninformed decision. First, during the extension of my credit transaction, the dealer told me that Santander Consumer USA requires a deposit of {$1600.00} before approving the extension of my credit. Now when it comes to my finance charge, I was not disclosed that the finance charge was the sum of all charges including the insurance. When I asked them if insurance is included they told me no that insurance should never be included in the finance charge and that I have to go get insurance myself. Upon my investigation, I figured out they have lied. Also during the transaction, I was never made aware of my right to privacy after a credit consumer transaction nor my right of rescission. Their intention from the get-go was to take advantage of me. My ''supposed '' contract with Santander consumer usa XXXX XX/XX/XXXX was never signed unless they forge my signature on my back. I have attached a copy of the supposed contract given to me on XX/XX/XXXX. To add salt to injury, Santander consumer usa has the audacity to steal my car on XX/XX/XXXX. For that reason, I am not able to work so I can pay my rent. I have a XXXX wife and XXXX XXXX  old son. Because of their action, I am at risk to become homeless.
Consumer complaint received 2021-02-21
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a XX/XX/XXXX credit card which I paid in full by XX/XX/2020, I chose not to have automatic payments since I owe nothing. They charged the annual fee and I didn't notice because I no longer use the credit card and then in XXXX they reported the bar credit to the bureau without a late payment notice by mail or phone and even worst they didn't care about the covid forbearance on act by then. The amount why they filled the negative report it was just {$40.00} and if you check my finance history I never missed a payment in any of my credit or loans to have such a small amount affecting my credit score. I hope you can help me ask them to get back in reason and regularize my credit score which is the more important for me
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I filed several complaints with CFCP after having no luck getting them to correct the mistakes on my credit files. 
In response to filing the complaints, the credit reporting companies took vindictive action on my credit file. 
After the creditors reported the updated information, Experian, and XXXX both reported the same account MULTIPLE times on my credit file making my credit file appear much worst than it is. 
Instead of being fair and honest companies, it seems the Credit reporting companies are petty and corrupt. 
Included is a copy of said closed accounts on my XXXX report. The information is similar to the same on my Experian file. 
The report detail I include truncates so you can not see the account numbers but the are the same, over and over. 
Doesn't same fair to have the same charged off ( paid in full ) reported multiple times, with both varying correct and bogus infomation.
Consumer complaint received 2019-10-28
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Receivable Management Services LLC (IL)

This company ( Receivable Management ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Illinois this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. 

Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my XXXX Given name ( XXXX XXXX : House of XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Consumer complaint received 2022-06-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately 1. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation. 
XXXX Account XXXX : XXXX Delete account for failure to perform an investigation per fcra regulation 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX Account Number : XXXX Delete account for failure to perform an investigation per fcra regulation 3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Consumer complaint received 2021-09-25
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: Experian Information Solutions Inc. (TN)

I submitted a dispute because the collection item in question took place during COVID when I lost my job and had to go back to school. I was also on unemployment during this time. Experian allows disputes for this reason. Despite furnishing this information ( and unlawful practice by the collection agency ), Experian has refused for over 12 dispute cycles now to remove the item from my account, leaving me no choice but to pursue complaints with state attorney generals in both my state and the state in which the collection agency sits, naming Experian as a party to the complaint. Fortunately the FCRA has a fee-shifting provision because this has escalated to that level.
Consumer complaint received 2022-06-09
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. (FL)

In accordance with the fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX has violated my rights In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX has violated my rights In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXX has violated my rights In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX has violated my rights In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXX XXXX  has violated my rights In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX has violated my rights In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX has violated my rights In accordance with the fair Credit Reporting act XXXX these Inquiries has violated my rights. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank, XXXX XXXX XXXX, XXXX 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.
Consumer complaint received 2018-12-15
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. (GA)

XXXX XXXX XXXX {$700.00} & {$860.00} You must provide 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.

Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, compliance and reportability of these listings. The negative marks are inaccurate. There is no contract or valid claimI also contacted original creditorI want these accounts removed immediately or litigation will follow. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.It is against the law to attempt to collect a debt twice ; accounts were settled by my Insurance carrier with original creditors.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.
Consumer complaint received 2018-12-15
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. (GA)

XXXX XXXX XXXX {$700.00} & {$860.00} You must provide 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.

Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, compliance and reportability of these listings. The negative marks are inaccurate. There is no contract or valid claimI also contacted original creditorI want these accounts removed immediately or litigation will follow. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.It is against the law to attempt to collect a debt twice ; accounts were settled by my Insurance carrier with original creditors.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.
Consumer complaint received 2022-12-08
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (NY)

On six occasions, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XXXX, I submitted ALL pertaining documents and information to be able to transfer funds from Direct Express by Comerica Bank card account to my personal bank account. 
The times I contacted Direct Express customer service I was notified that my requests for ID verification and transfer attempts or requests were summarily denied. No valid reason or explanation were given. 
Direct Express continued contract breach and discriminatory profiling and practices violate altogether consumer laws and fiduciary duties and responsibilities towards me, a consumer and a beneficiary of XXXX compensation.
Consumer complaint received 2021-08-12
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: Credit Management Control, Inc. (MO)

I have reached out to the company to let them know this is not mines, I have asked the credit bureaus to investigate this account as well because i was not living in XXXX in or around the time this account was used. Credit Management Cntrl XXXX { {$770.00} } i even reached out the the data miners at XXXX as well after the company, I also havent recieved apiece of mail to state the truth or why it wont remove. Theres no wet signiture on me and its been in collection without replying with the reason why after i stated this doesnt belong to me that it is reporting. PLEASE REMOVE IMMIDEATLY IF THE PROOF IS NOT SENT IN MAIL IN THE NEXT 15 DAYS ITS WELL OVER 120 PLUS DAYS. i WILL SEEK THE MAX PENALTIES NEXT IF MY FCRA CONTINUES TO BE VIOLATED.