davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-09
Product: Credit reporting 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. (DE)

I am writing to follow up on my previous dispute regarding unauthorized hard inquiries on my credit report. Despite my initial request and supporting documentation, these inquiries remain on my Equifax report. Please note that both XXXX and XXXX have conducted their due diligence and promptly removed the disputed inquiries from my credit reports. I am disappointed that Equifax has not taken the same corrective action.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NJ)

Im a victim of fraud against my Chase Bank account. In XXXX of XXXX scammers took money from my account as reversals. When I discovered this I immediately went to my Chase branch and spoke with a representative. He closed the account and notified the fraud department. I then opened a new account. After I immediately went to police station and filed a report and brought that report to my bank branch and the representative faxed it to the fraud department. Because Chase cant get the money back from these reversals they are charging me. Because of a negative balance my social security check for XXXX and a payroll check which was deposited into the new account was taken by Chase. I should not be held responsible for this scam and fraud.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FinFit Holding Co, LLC (FL)

Loan is reporting 30+ days delinquent on XXXX credit report. I disputed the information with XXXX and also contacted the creditor for an explanation and solution for the incorrect reporting. The company said it is aware of the issue but was not able to offer a solution or timeline for a fix. In the meantime, my credit is taking a severe negative hit as a result of an account that is current being reported as more than 30 days past due. Below is a copy of chat correspondence with the creditor 's customer service : ======= FinFit says : Hello and thank you for contacting FinFit! My name is XXXX and I am happy to help! So I can better assist you, please provide your full name, last four of social, and date of birth on file for security on your account. Thank you! 

FinFit says : Thank you! How can I help you today? 

says : It looks like " XXXX XXXX '' is reporting my loan as 30+ days late to XXXX XXXX Can you please explain why this is happening and how we can correct it? 

FinFit says : I understand that you have concerns about your credit report not updating. I want to assure you that we are working diligently to get everything set up and caught up now that the migration is complete. We hope to have the reporting updated as soon as possible.

FinFit says : At this time, we do not have an estimated timeline for when this will be completed, but please know that it is a top priority for us.

FinFit says : I do apologize for the inconvenience this is causing, there is an ongoing investigation regarding this issue with XXXX, we are working to have it resolved as soon as possible =======
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NC)

I XXXX XXXX XXXX XXXX XXXX and Chase Bank is the financial institution that the company account is set up with. On XX/XX/2024 a check was deposited into the account. The check was made out to the beneficiary of the XXXX XXXX XXXX XXXX XXXX XXXX It's normal procedure for a payee to sign the bank check and the XXXX XXXX to deposit the signed check into the XXXX XXXX  account. This has been done many times before without any inconvenience to the business or the payee. The check was put on a 7 day hold and once the 7 days were up the check was cleared Into the business account. I received a message from Chase Bank informing me that I needed to contact customer service support. Once contacting them I was told there was a restriction placed on the account and all funds were frozen. I can't even access funds not associated with the check! Customer support stated that a verification process was needed to release the freeze on the account and the ONLY way to do this was by phone verification. I provided the bank with the check holders phone number and I was told that the number provided wasn't an identifiable number for the check holder. Due to the sensitivity of there being a deceased person involved, this verification process should've been done prior to cashing their check which would've been easier to return and at least the family could make other arrangements for providing payment to the XXXX XXXX  instead of tying up their funds. When a person passes away an insurance company doesn't just issue a check to the beneficiary, there is an extensive verification process between the XXXX XXXX  and the insurance company ( social security number, date of birth, signature, address, full name and notarization ). I was confident that the requested information was and should be identifiable as there were no issues with the insurance company to verify with the funeral home and issue the payment to the beneficiary. Now we have a deceased person in our care and because the phone number isn't identifiable to the check holder I can't even return the check to the family to move forward with purchasing merchandise and services for the deceased. Everything is at a standstill while their deceased XXXX XXXX XXXX XXXX Please help!
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (ND)

On XX/XX/XXXX I received an email from Capital One saying a transaction of {$2400.00} was denied because of insufficient funds. I immediately called my bank to complain and find out who was trying to illegally withdraw funds out of my account so I could file a police report, but they would not pursue or give me that information. They just told me Capital One tried to withdraw the money for a credit card payment. They then transferred me to different departments and no one could resolve my issue or Id have to start from scratch. 

This same issue happened on XX/XX/XXXX when someone tried to take {$3800.00} successfully and I was able to eventually get it back, but no one was pursued for this illegal activity as it obviously happened again and I feel this will just keep continuing to happen unless someone gets the information from Capital One of who was trying to take my money out. 

Capital One knows that it was someone with a Capital One credit card trying to illegally use my Capital One bank account info to pay off their credit card. I dont understand why it is so hard for Capital One to report this person to the proper authorities.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. I have already disputed these items with the bureaus but they did not remove them, nor prove validation.

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 2023-04-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I engaged in a consumer transaction in which I used my " Credit Card '' for a finance charge. I am now being charged cash payments in addition to the finance charge which congress states is a violation. My finance charge encompasses the sum of all charges 15 usc 1605. CAPITAL ONE is not reporting false information to consumer reporting agencies to corers cash payments for my consumer transaction which falls under the definition of a finance charge. I will attach congressional definition that support my stance.capital one account # XXXX.
Consumer complaint received 2024-08-07
Product: Credit 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 (TX)

I flew into XXXX XXXX XXXX in the XXXX XXXX on XX/XX/year> and landed at XXXX local time. I took a taxi from the airport to my XXXX which is about a XXXX minute car ride away. When I reached my XXXX, the taxi guy showed me XXXX XXXX XXXX on the credit card machine, which I happily accepted. After the charge was complete, I asked for a receipt, in which he claimed his machine couldn't produce a receipt and got in his car and left. 

The next morning, I checked my credit card and realized he charged me XXXX XXXX XXXX which is {$600.00}. I called my credit card company, Capital One and they canceled the credit card and issued me a refund. However, after a few days, Capital One reversed the credit and stated that upon investigating, I will need to produce a receipt and work with the merchant for a refund. 

I presented Capital One with my flight ticket, XXXX confirmation and address, XXXX timeline, and XXXX estimate of the cost from the airport to my XXXX. I wrote them a letter informing them of the situation and there was no way I could get a receipt because it was a fraudulent charge and he refused to give me one. I even have my XXXX receptionist try to call the merchant company and cant locate the company in XXXX. 

After speaking with Capital One for a few days, I felt that their request was unreasonable because they are asking for a receipt and asking me to work with the merchant even explaining my situation. But even if I can produce a receipt, it will have the incorrect amount on there. I felt that they wanted me to accept the charge even though their company guaranteed a XXXX liability claim.
Consumer complaint received 2023-08-04
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: EQUIFAX, INC. (NJ)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.
Consumer complaint received 2024-08-06
Product: Credit 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 (NY)

On XX/XX/year> CapitalOne denied my initial dispute claim. The claim is for {$2700.00} from a merchant that overcharged me by that amount. On XX/XX/XXXX, per their request, I provided proof of the signed contract that stated the price of the service, and proof of the three charges that added up to {$2700.00} more than I owed to the merchant. I also provided communication between myself and the merchant that confirmed my claims. Regardless of this, CapitalOne denied my claim within hours of submitting the documentation. The proof I submitted was clear and I submitted it exactly how they requested, with my reference number and signed and dated by me.
Consumer complaint received 2024-08-06
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (AL)

Comenity is the third party vendor of XXXX, a clothing store. I am a customer of Comenity via my relationship with XXXX. I am XXXX XXXX XXXX and am being charged for a paper statement. I can not navigate their complicated online payment process. It changes every time I attempt to access it. I can not talk to a live person as their system is fully automated. I challenge the CFPB to call the number they provide on their statement ( that they charged me {$2.00} for ) to speak to a live person. That number is XXXX. 

If you do get a live person, please let me know how you did it. 

This lack of service with a fee associated with it triggers a XXXX violation as it is unfair and deceptive. I also allege this constitutes as elder abuse, as the online payment process is mired in poor design and elderly people like myself can not get help. 

Given Comenity 's record of XXXX violation with add on fees, I am asking the CFPB to direct their examination team to exam their polices and pricing procedures. Since it's impossible to lodge a complaint with Comenity due to their non responsiveness I would ask that the CFPB review their complaint monitoring and logging program as well.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DallasAutos4Less (TX)

My insurance company totaled out the XXXX XXXX XXXX that I purchased from this company and made a payment of XXXX on XX/XX/XXXX. I was told on XX/XX/XXXX by the finance department that the payment was received and that my account has been paid in full no balance left as of XX/XX/XXXX and it is closed. I checked my credit report today on XX/XX/XXXX and was informed that Dallas Auto 4Less reported my account as a Collection/Chargeoff on XX/XX/XXXX instead of paid in full closed account.
Consumer complaint received 2024-08-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Meridian Financial Services, Inc. (CA)

On XX/XX/year>, we received a collection letter from XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX. We sent them a register letter in response, to let them know that we are disputing the debt against XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX ). They responded with documentation to validate the account. We again responded to them advising that the alleged debt is disputed. We also asked that we be allowed to enact our legal rights.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-05
Product: Credit 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 (NC)

XX/XX/year>, a fraudulent charge appeared on my account. I disputed this. Capital One closed the dispute without any communication to me. I called their customer service line over 10 times. Finally ( XX/XX/year> ) someone told me that I had to submit additional documentation ( the first time I was told this ), and that the dispute could be reopened and investigated once I did that. I did so immediately ; however, the dispute was NEVER reopened or investigated, and not a single piece of communication ever sent to me regarding the issue. I have contested this multiple times. Each time I file a complaint, they say that they need several MONTHS to investigate ; however, the charge is accumulating interest during this time. The first month, I made a partial payment because the charge was very large and I didn't want anything to negatively affect my perfect credit. However, Capital One is blatantly trying to frustrate their customers into giving up and that will not happen with me. Now, Capital One is saying my payment is late, missed, and etc etc that I owe a balance, when IT IS ALL FROM A FRAUDULENT CHARGE AND THEY OWE ME THE PARTIAL PAYMENT I MADE IN THE BEGINNING. Between XX/XX/year> and today I have called Capital One another 20 times and either can not get through or each person tells me something wildly different ( they have no idea and seem to make it up as they go ). 

FURTHER, ever since this occurred, I have been unable to log into my account online. It prompts me to create a new password, which I then do - making it the same existing password, which works- but it has me to through the entire password creation process EVERY SINGLE TIME, meaning every time I want to check my account it takes at least 15 minutes to log in. I have complained about this an inordinate amount of times and Capital One has made zero effort to fix anything.

This is shameful from a company that used to have decent products and customer service.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BMO Bank, N.A. (KS)

Final Warning to all imposters using false statements and identity theft for profit and or gain! 

XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX & XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and the CFPB. 

Your lack of response, acquiescence and continued damages to our, character, reputation and credit have created a tort, or torts, against My Human Self. 

NOTICE of the Commercial Lien Process I have implemented. 

A Common Law Commercial Lien is a process that any Human Being can employ in order to obtain lawfulremedy from the actions of another Human Being ( s ) who have or have attempted to or have conspired to- damage said Human in some way. Such wrongs are known as torts and are the subject of Tort Law. This includes harassment, such as threats with menaces, which is considered to be psychological damage, and also defamation of character, which is also considered to damage a reputation. The reason for this is very simple : Since all are equal under the LAW, then each Human Being has a Duty of Care to each other Human Being, such as to make sure that whatever action we take towards each other we have the Common Law behind those actions, and thus can live together in peace. Abrogating said XXXX XXXX XXXX is a CRIMINAL ACT and constitutes a tort against BMO Bank and you, XXXX XXXX XXXX in your personal capacity. 
You had 30 daysto respond with a XXXX XXXX, as of XX/XX/year>, this has not occurred. Identity Theft under Kansas XXXX XXXX is a severity level 5 or 8 nonperson felony. I will also be looking into filing under the False Claims Act for failure to follow throughwith your fiduciary responsibilities to act in my best interest, as noted in past certified mailings.
Consumer complaint received 2024-07-10
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/2024, I sent {$290.00} to my Synchrony JC Penney card ( which had no balance ), but I intended to send it to my Synchrony Amazon account. It was an electronic payment through the XXXX XXXX  phone app and I must have selected the wrong payee. When my Amazon card informed me that they did not receive payment, I called Synchrony bank and spend nearly 2 hours on the phone, being transferred from place to place before I finally reached someone who said that my JCP card had received the payment and now had a credit due me. They sent the credit to me in the form of a check. The next month I received a statement from my JCP card saying I owed {$290.00}. I called and explained their error and they said they would correct it. The next month I received another bill for {$290.00} with interest. I formally disputed the charge, and I called again and they told me to send proof of payment by mail, as they would not accept an email. I did so. This month I got a letter stating that they will not accept the proof I mailed to them. I have now spent at least 5 hours dealing with different people and going to the post office, and they are still trying to make me pay money that I do not owe.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Company is reporting XXXX, XXXX and XXXX late payments and based on law *FCRA Section 602 15 USCS 1666b a creditor may not treat a payment as late for any purpose. Please immediately remove this inaccurate, unlawful late payment from m credit report
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

XXXX has different address across the bureau 's file. 
XXXX listed this company 's contact information as XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX listed this company 's contact information as XXXX XXXX XXXX XXXX, PA XXXX XXXX their address are not verified. I was told at the XXXX XXXX XXXX that their XXXX XXXX XXXX is wrong. 
XXXX XXXX XXXX XXXX, FL XXXX XXXX had 2 different collection agencies contacted me in order to collection the debt meanwhile the debt was still listed as still under XXXX