davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

I posted a truck for sale on XXXX  on XX/XX/020, someone contacted me the same day wanting to buy the truck, I then received an email from XXXX advising that I received a payment but it was on Hold until I send the shipping agent his fees to pick up and deliver the truck. I was so nave and did not suspect it was a scam and I went and transfer the funds using XXXX. After further research I found out it was all scam and that I have just lost XXXX. 
I have emails and text messages that I can provide. 

Please kindly advise if this type of Scam is something that you can investigate. 


Thanks
Consumer complaint received 2023-05-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

I have disputed this debt and I have formally requested validation and they refuse to comply with the law. They responded saying that they sent me information on XX/XX/21 and again that is not validation of debt. I want this account closed, because I have not agreed to do business with them under any circumstance. I have not signed a contract with Transworld Systems Inc or XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

XXXX XXXX XXXX  : I called Capital One to request a replacement card. They said they needed a copy of a state or Federal ID. I sent them a scanned copy of my drivers license. 
XX/XX/XXXX : Hadn't heard anything. I called and they said they needed both the front and back of the license. I sent them the scanned front and scanned back on same page. 
XX/XX/XXXX : Hadn't heard anything so I called again. They said they couldn't accept a scanned copy of a copy ( front of license ). Were supposed to send me a download link. Didn't.. 
XX/XX/XXXX : Called them again and got link. Sent scanned copy of passport and VA ID. 
XXXX XXXX : Again, hadn't heard anything so I called again. This time they said that Passport and VA ID were not acceptable forms of ID even though the download link states that either Federal or State ID is acceptable. I resent drivers license. 
XX/XX/XXXX : Hadn't heard anything so I called again. This time they said the photo on my Federally isues ID wasn't clear enough and wanted me to resubmit. I tolf them I was filing a complaint. 

No communication from them since.
Consumer complaint received 2020-11-30
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: ALLY FINANCIAL INC. (SC)

On XX/XX/2020, XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX  and XXXX. 
On XX/XX/2020, ALLY FINANCIAL add a hard inquiriy on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX, XXXX add a hard inquiries on my credit reports per XXXX  and XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-07-20
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. (TX)

On XX/XX/2021 I received a fraudulent withdrawal in bank account for {$1000.00} from a company called XXXX. Having never heard of this company I immediately contacted my bank and informed them of the charge. The bank informed me that someone had gained access to my bank account number and used it, since this was the second fraudulent charge on my account in just a few weeks they suggested me close the account. They also suggested I contact XXXX while they preformed their investigation. I contacted XXXX and informed them that this was not me and that I had recently had other fraudulent charges on my account as well and would be closing the account per the banks fraud departments instructions. XXXX informed me that they would also be doing an investigation and would contact me as soon as they had completed it. I never heard from XXXX again and the bank refunded my money as well as closed the account. I assumed everything was worked out. 
Yesterday, XX/XX/2021, after looking into my credit report I found that XXXX was still on my credit and was reporting a balance of {$1000.00}, a high credit of {$1000.00} with a {$130.00} passed due amount, a monthly payment of {$96.00}, and that I was 30 days late on payments as of XX/XX/2021. My credit report shows that on XXXX this loan was opened on XX/XX/2021 as for Experian and XXXX the loan was opened on XX/XX/2021. 
I immediately contacted XXXX XXXX customer service. I again explained that this was a fraudulent charge which I had previously contacted them about and that the bank account used had been shut down due to fraud. After asking for my information to verify me and to look up my account with them I was told they would have to do an investigation. When I asked what resulted from the previous investigation the gentleman informed me that he did not see a previous investigation. I then asked to have the account information sent to me from when this was set up so I could see it and he then told me that I did not even have an account with them. When I asked how that was possible he said he only had limited information on his end and would need to speak with the back office who handled these situations. I asked for the number to the back office and whomever handled this to which he informed me they do not have a phone. I them proceeded to ask how that was even possible considering it is 2021 and everyone has a phone. I asked him how he contacts them and he said they have a server to which he contacts them. He then said they would contact me after they finished their investigation. I asked how that would be possible without a phone and since I had never received anything before how would I know that they would really get back to me. The gentleman then proceeded to act as if he could no longer hear me even though he would stop talking as I was speaking and then hung up on me.
Consumer complaint received 2022-09-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Lien Receivables LLC (CA)

In XX/XX/XXXX, I donated my car and filed Notice of Release Liability with CA DMV online, which should release my liability post-donation by CA DMV law. 
In XX/XX/XXXX, I received a towing citation from XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding this car. They insisted that I was responsible for this ticket. 
In XX/XX/XXXX, the towing company filed a lien sale and bill me {$3900.00}. 
On XX/XX/XXXX, towing company hired Lien Receivable LLC to harass me and my husband by text, phone call, emails, invoice 7 times between XXXX - XXXX, even though I told them I no longer owned the car twice. They threatened me and my husband that I was legally responsible because I was the last registered owner. If I don't pay, they'll put a lien on my property and hurt my credit. They only gave me 2 hours to pay for a {$500.00} discount. Under the pressure and unable to contact the auto charity donation company to verify the facts, I paid the {$3400.00} and wished I could dispute the charge with my credit card company. 
On XX/XX/XXXX, due to the extreme stress from the debt collector, I started have XXXX XXXX  and had a XXXX on the next day ( XX/XX/XXXX ) After that, I suffered recovery from XXXX and is now going through a series of XXXX  treatments in the hope to get XXXX  again, which cost me about {$1500.00}. 
On XX/XX/XXXX, the XXXX, who process legal document of my car donation, mail a letter to the Towing company and stated that I was not legally responsible. I was not sure if I did NRL in XXXX at that time. 
On XX/XX/XXXX, I visited a local DMV office and confirmed that I did submitted NRL in XXXX so I should not be responsible. I called the towing company at XXXX, provided the facts and asked for a refund. They refused and claimed that I should ask the reimbursement from DMV and the donation company because their debt collector followed a " standard procedure ''. I also emailed Lien Receivable and provided the fact. No response so far. 
BTW, I'm in the process of getting a certified NRL in XXXX from XXXX  DMV to prove that I'm not liable in the vehicle this year.
Consumer complaint received 2022-05-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MN)

When I investigated my credit report, I realized that some of the information was erroneous. The Experian are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00}
Consumer complaint received 2022-05-24
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: ENCORE CAPITAL GROUP INC. (IL)

I have tried disputing a negative account on my credit report with midland credit management which states I have not made any payments towards my debt when it has actually been making payments since XXXX and has been paid in full since XX/XX/2022. They have also added more to the debt after it was paid in full changing the amount from {$2400.00} to {$2400.00}. After submitting 2 disputes to experience, the second of which I received the results of their investigation today ( XXXX/XXXX/2022 ) I was told my dispute was unfounded and will remain on my credit report showing no payments have been made and that I now owe the larger amount
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

I opened a citi premier card in XX/XX/2022. I wanted to use it while I am traveling abroad in XXXX to get the new member welcome bonus. I gave the travel notification and big purchase amount notification. However, my card got locked everytime I made a purchase XXXX XXXX i need to call citi again and again to lift my account using all possible ways ( my phone number, my security word other than the password, my payment history ). I called them 10 times in a week. But the card get locked again and again. Finally, they said they must mail me a letter ( which takes 4-7 business day ) in order for me to lift my account. I am going to travel soon and can't receive the letter but they said they have no ways to help me to either lift the account or extend bonus spending deadline, until I receive the letter. This whole experience ( get locked every time I made reasonable purchase, had to call 10 times, and had to wait for a mail to deliver in 1-2week ) is awful for a credit card. I would not recommend Citi to anyone if their fraud department continues to work like this.
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

Already submitted a complaint and was told it was fixed, received a check in the mail today ( XX/XX/XXXX ) for {$420.00} after i was told the funds would be moved to the appropriate card which they were not. My card now shows a {$530.00} balance due XX/XX/XXXX and im completely fed up with this whole situation. I would like to have this dealt with as it's been on my mind since XXXX now. I will pay the original balance before all the added on fees from my payments not being processed as long as i can be guaranteed it will go through just fine. Don't want this to affect my credit as im surprised it hasnt yet.
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (MI)

Received credit alert on XX/XX/18 stating a Citibank Best Buy credit card application was tried. Application was denied due to my statement already showing Im a victim of identity issues and to call me to verify account opening. This was a hard pull to my credit but cant get to anyone to have this inquiry removed from my credit report.
Consumer complaint received 2022-09-18
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: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

I recently checked my credit report and noticed an account with Portfolio Recovery reporting in which I had never opened so I sent Portfolio Recovery a debt validation and cease and desist letter on XXXX. I then filed a FTC report. Portfolio Recovery has been negligent and has not responded or validated this fraudulent account or stopped the negative reporting to the consumer reporting agencies. This has caused my reputation great harm. I never signed a contract with Portfolio Recovery or authorized them to share my information with third parties. Portfolio Recovery is in violation of the 15 USC 1692g ( b ) because they are still reporting this negative account even though they haven't validated the debt. I have filed a complaint with the attorney 's general and a complaint with the XXXX.
Consumer complaint received 2022-07-29
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. (NJ)

It has been drawn out into the open that XXXX, XXXX and TRANSUNION are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that CREDIT BUREAUS decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any items or information which is found to be opened due to identity theft. Please remove these files. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2020-12-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Linebarger Goggan Blair & Sampson LLP (IA)

I have worked relentless to get this continued attack on me from XXXX XXXX resolved. I feel like this attorney firm should have reported this account. I had to file a complaint with this agency just to get the break down of this fraudulent account. Once I did there was about XXXX in mistakes if not more. In an attempt to force me into a payment plan XXXX XXXX pulled three old moving violations tickets to suspend my driver license. One of the tickets was from XXXX I believe. I was on a payment plan for several tickets which included the three they used to suspend my driver privilege in Iowa. My payments was XXXX dollars a month the file clearly shows that I was givin two extension for making regular on time payments. Yet now some how all the tickets was paid except these three. One which is XXXX dollars more then what it should be. This attorney firm after multibal corrections sent the file back I was told. I was pulled over on my way to a doctor 's appointment placed under arrest then let go at the hospital. I had to seek medical attention for my XXXX and for cuffs that was placed on so tight the doctor stated it compressed my XXXX XXXX and XXXX XXXX XXXX. I have been pulled over once here and I'm in the process of being railroaded yet again by this legal system here in XXXX XXXX. I have tried several times to reach this firm for help. It's my understanding they never requested for my license to be suspended and informed XXXX XXXX that I was working with them in an attempt to figure the balance of what if anything I owed. Yet XXXX moved ahead a wrongfully suspended my Iowa driver privilege after North Dakota refused their request. I dont get how this firm was eager to to collect their percentage at my expense but refuse to help me with this. I want to know why wasn't this account reported and why this firm is refusing to clarify if they indeed told XXXX XXXX I was working to get this balance correct. Where is the support for the wrongfully accused?
Consumer complaint received 2022-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

I don't have full access to my account and sometimes transactions are being declined. Whenever I call the customer service they transfer to the fraud department and they send me a letter. But this is repeating for the last 2 months. They have sent multiple letters. The letters state I need to call their fraud dept. But when I call they tell me they will send a letter again. I can't use my own credit card properly.
Consumer complaint received 2021-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (IL)

I filed a dispute with us bank against XXXX  for 3 transactions. Us bank mailed the dispute forms to the wrong address. When I called to correct their error inwas given the run around. I also had an issue with a XXXX  transaction being processed through after I had already cancelled all the recurring transactions.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

A dispute was found invalid and deleted from my Transunion report. Two days later the same company " Changed their company name '' but with same address, account number etc. added {$3.00} to change the amount!!!! It was already deleted from my report per Transunion!
Consumer complaint received 2019-05-10
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: FactorTrust, Inc. (GA)

I mailed a dispute letter on XX/XX/2019 along with my ID Theft Report, and Police report, disputing inaccurate information found on my consumer credit report which was delivered to the company on XX/XX/19 per my USPS tracking receipt. As of today, XX/XX/2019, it has been more than 30 days, and I have not received any investigation results from my dispute of these erroneous items on my consumer credit report, and they still currently remain on my credit file. Therefore, in accordance with s.1629e ( 8 ) of the debt  collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau , I request that you immediately delete these inquiries from my credit reports, and send me a copy of the updated report as soon as it has been completed.
Consumer complaint received 2023-04-22
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: Experian Information Solutions Inc. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$18000.00XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$170.00} XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$10000.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-05
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: CCS Financial Services, Inc. (IL)

On XX/XX/2022 CCS COLLECTIONS add a derogatory mark on my credit report per XXXX. Upon further research, This account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA CCS COLLECTIONS has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.