davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NJ)

The following was received from Chase Bank. This is the 3rd complaint made and I will continue until I receive a refund. Complaint # XXXX and # XXXX NOTE : " We reviewed your claim for the {$790.00} unauthorized check payment. We confirmed the claim was filed on XX/XX/XXXX, the claim was worked on XX/XX/XXXX and sent to the bank on the first deposit ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. We followed up on XX/XX/XXXX. Unfortunately, we have not received a response to the claim yet ... ... In terms of your reimbursement request, we can provide you with a provisional credit if you send us a copy of the Declaration of Unauthorized Endorsement or Altered item '' how can you ask for something that that you have, you have this information. Reference # XXXX. 

THIS IS THE ISSUE : To whom it may concern : This email is a followup to a followup to a followup.. As of today not much was done. Can a reply be sent in the form of regular mail to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

This is the matter in question : This is in reference to check number XXXX written on XXXX XXXX XXXX pay for {$790.00} to XXXX XXXX XXXX XXXX on XX/XX/XXXX, ( PLEASE NOTE THE DATE ) by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never received this check, the check was never cashed by XXXX XXXX XXXX XXXX nor was the check deposited into his account, also the check was never endorsed. However the check was deposited into a XXXX XXXX XXXXXXXX account, this was found out after contacting Chase Bank. 

Several claims were filed with Chase Bank XXXX XXXX XXXX was told after contacting Chase Bank they were waiting to hear from XXXX  XXXX XXXX. As of today XXXX XXXX XXXX has not received a refund. Several contacts were made with Chase Bank since the original claims. XXXX XXXX XXXX was recently told the case was turned over to XXXX XXXX XXXXXXXX and they are waiting for a response. 

I would like to have a response in reference to this matter. 
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-01
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. (MO)

on XX/XX/2019 i submitted a dispute online with equifax for two collection accounts. On XX/XX/2019 i was informed by my credit card company XXXX XXXX that my acct was being disputed and they had to close my account due to my request. I contacted XXXX XXXX on XX/XX/2019 and was told by a agent that equifax disputed the account stating that this account didn't belong to me and in order for them to reopen the account i must have something from equifax showing that i didn't dispute it. I contacted equifax on XX/XX/2019 and spoke with a supervisor who refused to close the open dispute and stated that it was a error on their end and she didn't know how all accounts was disputed. equifax admitted to fraudulently disputing all my accounts even though the legal document didnt have that information on there.
Consumer complaint received 2024-07-09
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

See attached documentation. I have reached out to Portfolio Recovery Associates via email on XX/XX/year> and XXXX, 2024 and have not received a response. It is clear that Portfolio Recovery has assumed the role of holder in due course. I do believe this is a misrepresentation of the account as Portfolio Recovery Associates has not responded at all. I am also requiring clear documentation of Portfolio Recovery Associates legal title. The Fair Debt Collection Practices Act defines a debt collector as only private people, not an agent on behalf of anyone.
Consumer complaint received 2024-07-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Credit Karma (CA)

On XX/XX/year>, my account was hacked and locked and debit cards locked and virtual card cancelled. I have since then been waiting for XXXX business days for them to dispute the transactions that were completed and for my account to be unlocked so I can have access to my money. I have called every day, and have been transferred to the same people every day and they tell me its with a higher team and that theyll email me. Havent heard anything from them, or the supervisor I requested last Monday XXXX. I have a previous complaint filed for my transactions that were just approved today XXXX, however now theyre telling my account is with another team and they cant unlock it.
Consumer complaint received 2023-08-02
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: NAVY FEDERAL CREDIT UNION (PA)

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-07-17
Product: Credit reporting 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)

According to the FCRA XXXX  account XXXX  XXXX has violated my rights. 

FCRA section 605 B. It is illegal to report information on my credit report without my permission.
Consumer complaint received 2024-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (FL)

The company has not been able to validate that this is even a viable loan, yet it keeps getting passed around from one sister company to another. Whereby one bad actor / offender passes it to the next bad actor / offender, in the attempts to extort additional funds from me using ongoing threats of foreclosing. This is my asset, and the mortgage was paid in full in 2015 to XXXX XXXX XXXX XXXX! I am requesting copies of any and all " origination documents '' from the commencement of this so called loan be proving to me immediately, in order for any and all of these so called Bad actors / Banks/ Mortgage servicers/ Trusts, etc. to substantiate their claim to any further / future payments!
Consumer complaint received 2024-07-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (GA)

I am writing to vehemently dispute the validity of a collection account appearing on my credit report, which was allegedly reported by Hunter WarfieldXXXX. The inclusion of this account has had detrimental effects on my creditworthiness and financial standing. 
I disputed the collection account with the credit bureaus in XXXX XXXX  XXXX it was deleted .... now it has been reinserted to my credit file without proof or justification. And it has been place on my credit as a new debt that came about in XXXX XXXX although this erroneous account was placed on my credit a year ago. 

I must emphasize that the inclusion of this erroneous collection account on my credit report is not only inaccurate but also constitutes a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
Therefore, I requesting that the CFPB can help facilitate the matter and XXXX XXXX agency promptly removes the disputed collection account from my credit report within the next 10 business days. I have filed a similar complaints with other regulatory agencies but now limited to the FTC and the AG 's office. 

I plan to initiate civil litigation for damages, and seeking injunctive relief to compel compliance with federal law. 

I trust that you will treat this matter with the urgency and seriousness it warrants. Should you require any further information or documentation to facilitate the resolution of this dispute, please do not hesitate to contact me at the aforementioned contact information. 
I expect to receive written confirmation of the removal of the disputed collection account from all major credit reporting agencies upon its resolution.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Recently, I did an investigation on my credit report wich caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681 e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are violation of not reporting 100 % accurate.
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/year> someone fraudulently took {$150.00} off my bank account which caused my bank account to be overdraft from capital one and spend it at XXXX and I reported this to the bank they filed a claim and expedited me a new debit card and gave me temporary credit. I waited into XXXX for my claim to be denied and reopened the claim and still was denied. I reached out to XXXX also they told me that the bank was supposed to refund me my money back. I changed bank account because its been frustrating to deal with this and not get my money back.
Consumer complaint received 2024-07-09
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: Spring Oaks Capital, LLC (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-07-17
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: CLGF Holdco 1, LLC (FL)

FEB DESTINY is violating 15 USC 1666b. This company is inaccurately reporting late payments on my consumer report on the following dates ; XX/XX/year>, XX/XX/year> and XX/XX/year>
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$130.00} XX/XX/XXXX XXXX XXXX XXXX {$590.00} XX/XX/XXXX XXXX  {$1600.00} XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NJ)

I filed a chargeback with Wells Fargo for a {$40.00} charge from XXXX that I did not recognize. The agent at Wells Fargo must of misunderstood me and filed a charge back on ALL of my transactions with XXXX which also includes my deposits and withdraws with them. Today I look at my account to a XXXX balance. I called Wells Fargo and they cancelled the claim but said they couldnt guarantee me my money back. Which has me panicking because now all of my money is gone from a mistake Wells Fargo made.
Consumer complaint received 2024-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (AZ)

I received a summons in my ex husband name who does not reside with me I told the server he didnt reside here and the man just dropped the summons I had to reach out to my mother n law who notified my ex I showed up to court since az is a community property state I have since sent a motion to compel arbitration to the courts as well as lvnv funding and their attorneys the attorney showed up to court and lied and said I didnt send them a motion to compel arbitration I even tried to settle the XXXXXXXX XXXX debt by offering XXXX XXXX and they refuse to work with me Ive asked for the original contract that bares my ex signature all they continue to send is bills which doesnt add up cause the address on the bills is mine and are dated prior to be even leasing my townhome. After much research about this company they are know for deceptive and abuse practices
Consumer complaint received 2024-07-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

On XX/XX/year>, I sent Portfolio Recovery Associates a certified mail letter, requesting to lift the cease and desist on the purpose of communicating for clarity from here on out. And I also requested to have any and all documents, they have that gives them authorization to be able to collect on the alleged debt, and I have yet to receive a response!
Consumer complaint received 2024-07-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Corp Solutions Inc. (TN)

This company is stating that I own them a debt and I have never done business with them, I don't even know who they are. A debt validation letter per the FDCPA was sent out with no response and now they are threatening to damage my credit.
Consumer complaint received 2024-07-18
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. (GA)

I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be blocked and deleted : XXXXXXXX XXXX XXXX ( XXXX ), ( XXXX ), ( XXXX ), XXXX XXXX ( XXXX )
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Source Receivables Management LLC (GA)

On XX/XX/year>, I sent a letter to Source Receivables Management regarding the validation and inaccurate reporting of a debt associated with Account XXXX : XXXX. Despite my request for validation under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, Source Receivables Management has failed to provide proof that the debt is mine and that they have the right to collect it. Furthermore, the account has been inaccurately reported on my credit report, causing undue stress and negatively impacting my credit standing. 

In my original letter, I requested the following actions : Written validation of the debt, including documentation proving that the debt is mine and that Source Receivables Management has the right to collect it. 
Removal of any inaccurately reported information from my credit report. 
Written confirmation that the inaccuracies have been corrected and that my credit report has been updated accordingly. 
To date, I have not received any response or corrective action from Source Receivables Management, which is a clear violation of their obligations under the FDCPA and the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2023-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX these accounts has violated my rights, 15 USC 1681 section 602 A states i have the right to privacy.

15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c section 604 ( A ) ( 5 ) section states. No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I have unauthorized inquiries and credit on my credit report that has nothing to do with me.I have done a XXXX report and I feel as if i am being taken advantage of from XXXX, XXXX and Experian.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST PORTFOLIO SERVICING INC (DE)

XXXX XXXX XXXX XXXX XXXX, Delaware, XXXX XXXX  [ NOTICE AND DEMAND FOR DELETION OF AN UNAUTHORIZED INQUIRY ON CONSUMER REPORTTo : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report.I did not give you written permission to access my credit profile on [ Date of the alleged inquiry, Delete this Line and insert the Date of the alleged inquiry, which is XX/XX/year> as provided in the context ] .The reporting of this unauthorized inquiry has harmed my credit, and I demand that you delete this unlawful and unauthorized inquiry from my consumer credit reports with all consumer reporting agencies that you have distributed this information to.I also demand a copy of my consumer report after you have completed this deletion.Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-07-01
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. (SC)

I've been a victim of identity theft..I filed a police report and I need to get this removed off my report there are several inquiries and an apartment listed on my account that doesn't belong to me I also have different names and socials that I have no clue about ... please remove
Consumer complaint received 2024-07-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (KS)

This electronically submitted complaint shall serve as NOTICE- I dispute the purported debt in its entirety and demand the company cease and desist all collection activity. That includes credit reporting! The company must substantiate the alleged debt in the form of an affidavit supporting their claim ; Failure to remove reportings until said evidence is provided will subject them to charges outlined in the attached fee schedule.