davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB, Inc. (FL)

I didn't receive any notification of this bill until this year when I went to XXXX, and I saw the bill and I called them on XX/XX/XXXX and they said that I had to call my insurance. When I called my insurance, I had to complete a questionnaire in regards of service because they wanted to make sure this wasn't related an accident, and they resubmitted the bill for payment. I called back on XX/XX/XXXX because I checked XXXX again and the bill was just there. They said they didn't receive an update from the insurance. I asked why a disconnection in information. Called my insurance and they said they have resubmitted, and everything should be taking care off. Called back XX/XX/XXXX as a conference call with my insurance and they stated they haven't received the explanation of benefits and the agent from the insurance said they sent it, but they will send it again and the lady from XXXX XXXX said, " good luck if we received ''. So, she recommended for me to download into XXXX XXXX which i did on XX/XX/XXXX. then on XX/XX/XXXX I wrote to them asking why they haven't reviewed the EOB, and called them to let them know I did the download for them to process the bill. I received a response on XX/XX/XXXX stating they were going to look into it. I looked again at the beginning of this month and I didn't see the bill any longer which I thought it was resolved and today I received a notification form a 3rd part that they have transferred the bill to them without not processing through the insurance. Are you kidding me? This is unacceptable. I have responsible enough making all this phone calls back and forward to resolve the issue for nothing because at the end they didint do anything just transfer the bill to a 3rd party
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and UCC 9-506, as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the UCC outline the necessary legal requirements. Please see the attached file for what I am complaining about.
Consumer complaint received 2023-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/2023 I received an email from JPMorgan Chase that they were reviewing a new request for a Chase Freedom Unlimited credit card application. I have never had a credit card with them and did not request one. I called them and let them know. They told me they flagged this as fraud and cancelled it and that they will be correcting the credit inquiry on my credit report. 
This is the XXXX occurrence in less than a month. They refused to share any information on the credit application. They also said it's impossible for them to not run my credit when they receive an application.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

PLEASE BLOCKED AND REMOVED. 
Kindly remove this inaccurate entry from my credit report as I neither authorized nor recognized this account. Attached are the pertinent documents supporting my assertion.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-08-03
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. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXBalance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXXBalance Owed : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-03-15
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX 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 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. 15 U.S.C 1681c. ( a ) ( 5 ) Sections 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 pf 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-19
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: AMERICAN EXPRESS COMPANY (MI)

I have submitted multiple Disputes regarding charges resulted from Identity Theft. Duty To Conduct Reasonable Investigation of Dispute For disputes I filed directly with American Express, Regulation V requires furnishers to conduct a reasonable investigation with respect to the disputed information and review all relevant information provided by the consumer with the dispute notice. American Express violated these provisions when American Express failed to investigate disputes submitted by myself. American Express responded by Mailing a Generic Letter from the XXXX XXXX XXXX XXXX ( Attached ) Dispute Reference Number : XXXX Dispute Reference Number : XXXX Letter stated " the information we received from you dos not contain sufficient information for us to conduct a reasonable review of your claim. We have been unable to contact you. Therefore, we are closing your fraud claim until we receive sufficient information. '' XXXX : the information we received from you dos not contain sufficient information for us to conduct a reasonable review of your claim. This is a lie. American Express received the following : 1-Official Dispute Letter with My Name, Birth Date, SSN, Copy of ID, Letter from DOJ-BOP, Copy of the FTC Identity Theft Report . American Express received all information required per CFPB : ( d ) Direct dispute notice contents. A dispute notice must include : ( 1 ) Sufficient information to identify the account or other relationship that is in dispute, such as an account number and the name, address, and telephone number of the consumer, if applicable ; ( 2 ) The specific information that the consumer is disputing and an explanation of the basis for the dispute; and ( 3 ) All supporting documentation or other information reasonably required by the furnisher to substantiate the basis of the dispute. This documentation may include, for example : a copy of the relevant portion of the consumer report that contains the allegedly inaccurate information ; a police report ; a fraud or identity theft affidavit ; a court order ; or account statements. 2nd : American Express Stated : We have been unable to contact you. that is another lie, because they sent that letter to inform me that they were not able to contact me, well, me receiving the letter and calling them back is an evidence that they are able to contact me. 3rd : I Called American Express Global Fraud Protection Service 4 times and provided them with the reference Number [ Dispute Reference Number : XXXX  ], the agent told me that they don't know what that number is! I recorded the phone call and can transcribe it. 4th : American Express Stated " Therefore, we are closing your fraud claim until we receive sufficient information. '' That is an intentional violation by American Express of FCRA, and shows gross negligence
Consumer complaint received 2024-06-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (FL)

I did not receive any paper work at all it just appeared on my credit report from cavalry portfolio services so I contacted them and they said they were trying to collect on a dept from XXXX  years ago I said I never received anything from them so they told me it was given to XXXX XXXX XXXX witch I've made multiple phone calls to with new help I finaly made XXXX last call to them and spoke to a XXXX XXXX and he's said he was going to send me information on this its been XXXX weeks haven't received anything yet I made several calls back finaly got in touch with him his response was he forgot and I said that's not very professial seeing I'm trying to resolve this he said sorry and would get right on it so as of XXXX  XX/XX/2024 I have not received anything I made a call today asked for him and the man I spoke to said he's never heard of XXXX XXXX and if this is from XXXX years ago how is this thrown on my credit report now don't make sense and now my credit is destroyed and I need help here thank you
Consumer complaint received 2024-06-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (MI)

I have submitted multiple Disputes regarding charges resulted from Identity Theft. Duty To Conduct Reasonable Investigation of Dispute For disputes I filed directly with American Express, Regulation V requires furnishers to conduct a reasonable investigation with respect to the disputed information and review all relevant information provided by the consumer with the dispute notice. American Express violated these provisions when American Express failed to investigate disputes submitted by myself. American Express responded by Mailing a Generic Letter from the XXXX XXXX XXXX XXXX ( Attached ) Dispute Reference Number : XXXX Dispute Reference Letter stated " the information we received from you dos not contain sufficient information for us to conduct a reasonable review of your claim. We have been unable to contact you. 
Therefore, we are closing your fraud claim until we receive sufficient information. '' 1st : the information we received from you dos not contain sufficient information for us to conduct a reasonable review of your claim. This is a lie. American Express received the following : 1-Official Dispute Letter with My Name, Birth Date, SSN, Copy of ID, Letter from DOJ-BOP, Copy of the FTC Identity Theft Report XXXX American Express received all information required per CFPB : ( d ) Direct dispute notice contents. A dispute notice must include : ( 1 ) Sufficient information to identify the account or other relationship that is in dispute, such as an account number and the name, address, and telephone number of the consumer, if applicable ; ( 2 ) The specific information that the consumer is disputing and an explanation of the basis for the dispute; and ( 3 ) All supporting documentation or other information reasonably required by the furnisher to substantiate the basis of the dispute. This documentation XXXXay include, for example : a copy of the relevant portion of the consumer report that contains the allegedly inaccurate information ; a police report ; a fraud or identity theft affidavit ; a court order ; or account statements. 2nd : American Express Stated : We have been unable to contact you. that is another lie, because they sent that letter to inform me that they were not able to contact me, well, me receiving the letter and calling them back is an evidence that they are able to contact me. 3rd : I Called American Express XXXX XXXX XXXX XXXX 4 times and provided them with the reference Number [ Dispute Reference Number : XXXX ], the agent told me that they don't know what that number is! I recorded the phone call and can transcribe it. 4th : American Express Stated " Therefore, we are closing your fraud claim until we receive sufficient information. '' That is an intentional violation by American Express of FCRA, and shows gross negligence.
Consumer complaint received 2022-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (GA)

Statement Due Date of XX/XX/XXXX, for New Balance of {$400.00}. 
1. Actual charges on statement are {$97.00}.

2. No other charges are listed.

3. XXXX through XXXX Statements ALL have been paid on time. I have ALL Statements for XXXX, and NONE list any Fees, Late Charges, interest, and ALL show NO " Past Due Amounts. '' I always pay the FULL AMOUNT to avoid interest. 
4. I have my XXXX XXXX 's Statements showing ALL checks were deposited/cashed by Chase Card Services .

5. I telephoned Chase Customer Service, XXXX times today, XXXX XXXX. I was disconnected by a " XXXX '' after the usual virtual " Customer No Service. '' Next call, I got thru the virtual no help, to a " XXXX. '' After explaining the problem, she transferred me to a Supervisor. While on hold, I was again disconnected. 
6. Since this is a " Slam Dunk '' mistake on Chase, one has to wonder if they are " skimming/Embezzling/ or outright Fraud as XXXX XXXX did ?
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (VA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX, 2024, Chase Bank unexpectedly cancelled my account without providing any explanation or prior notification. Upon contacting the bank for clarification, I was unable to obtain any information regarding this abrupt closure. This situation has caused me significant inconvenience and concern, and I seek an immediate resolution.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2018-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

I filed bankruptcy on XX/XX/XXXX and finalized it in XX/XX/XXXX. This information should not appear on my credit report as the Courts do not report this information. Please look into this and remove both derogatory marks from my credit reports. I have submitted several inquires and have been told the information is correct, but have not been provided proof.
Consumer complaint received 2024-06-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was under the impression that my payments were going towards principal. When I address this with company and asked that my payments be reassigned to principal I was told they can not do anything about it and going forward to use the principal only option. However I was never given that option. I have paid over {$10000.00} towards the loan yet my principal has barely gone down. I feel as though this is deceitful. Theres no way for me to only pay towards principal only. I want something done about this I feel as though I am trapped in this loan. On top of that I have late fees I was told needed to be paid separately yet there is no option to do so. And in turn I am getting charged interest for the late fees. I was also not made aware of how much interest would cost me totally and that its compounded daily. If I would have known we would have just kept our cash cars. This has beeen the worst experience with an auto loan I have ever had and I would really like someone to make this right. This has a huge impact on my credit and it feels like my principal balance isnt budging at all
Consumer complaint received 2024-06-18
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 (MA)

I have a Capital One credit card. Someone who was living in my household ( former foster child ) used this card without permission and signed up for a XXXX subscription ( I believe it is called a Dash Pass ). This subscription continues to charge the card monthly and no matter what I do, I can not make it stop. We have reported the subscription as fraud, but it returns again the next month. We have gotten a new card, but then Capital One gives XXXX ( and other recurring charges ) the new card number to keep the subscription going. We have called XXXX, but they claim they can not find the charge because I don't have all the information about the subscription. In the meantime, I am charged month in, month out. 

My primary complaint about this situation is : why does a credit card company continue to give the new card number to the firm with the fraudulent subscription without my permission? It is as if I reported a card lost or stolen, but then they contacted the XXXX and gave them my new card number. This practice needs to stop. 

I will have to end my relationship with Capital One. But I doubt I'll ever see those 12 months of charges back, even though I've been fighting this for most of that period.
Consumer complaint received 2024-05-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (IN)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-06-18
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: CL Holdings LLC (GA)

I am writing to formally dispute the debt you claim I owe under account number XXXX. Firstly, I never consented to have my non-public personal information shared with your company, which raises significant privacy concerns. Additionally, I have no prior business relationship with your company, making this alleged debt highly suspicious and questionable. 
Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I am entitled to request and receive documentary evidence proving your legal right to collect this debt. Therefore, I demand that you provide comprehensive documentation, including the complete chain of title of the debt, the Errors and Omissions policy number, the original contract bearing my signature, and a detailed explanation of the reasonable procedures you used to conduct your investigation into this matter.

Furthermore, your initial communication identifying your company as debt collectors may also be a violation of the FDCPA ( 15 U.S.C. 1692e ), which prohibits false or misleading representations in connection with the collection of any debt.