davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-21
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: DISCOVER BANK (NY)

I am beyond frustrated with the poor handling of fraudulent charges wrongly attributed to my Discover Card account. Despite submitting an official police report, FTC Identity Theft report, and contacting the fraud department multiple times, XXXX have failed to adequately investigate or validate {$310.00} in charges made without my authorization on my Discover Card. As a result, the balance is incorrect and is being reported incorrectly. 

Not only have Discover reported inaccurate, unverified information to XXXX, harming my creditworthiness, but XXXX continues suppressing this issue when I have provided substantial evidence of criminal financial fraud requiring their urgent attention. 

The simplistic rationale that I must have made the charges since past bills were paid ignores today 's rampant identity theft risks. Over 92 % more Americans fell victim to account takeover fraud amidst the pandemic when many, like myself, faced personal trauma, job loss, and overwhelming instability taking focus away from finances. With my social security number, passwords, and other information compromised in various data breaches, it is entirely plausible my account was hacked by fraudsters. 

I am officially demanding complete statements itemizing all account charges and expect XXXX and Discover to provide concrete verification like IP addresses, geolocation history, or other transaction metadata before falsely claiming charges as my own ever again. The reinstatement of unverified, disputed charges to my credit reports violates federal law. 

I have already suffered serious financial and emotional harm due to XXXX 's mishandling and urge this final good-faith attempt at resolution before pursuing legal action over irresponsible business practices. I believe that XXXX is in cahoots with Discover to keep this negative file on my report without providing adequate evidence that i made these charges. Please confirm receipt and provide next steps for thoroughly reassessing all unauthorized transactions. XXXX also refuses to block the fraudalent and inaccurately reported account from my report! This is a blatant violation of my rights. The specific provision in the FCRA that addresses my situation is found in Section 605A. This section outlines the procedures for blocking information resulting from identity theft. According to the FCRA, credit reporting agencies must block the information within four business days of receiving an identity theft report, which may include a police report. XXXX refuses to honor this right!!!
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One has violated my rights enacted by the FRCA, FBCA and Privacy Act. For items that have been placed on my credit report. 

As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported. I then was also not provided knowledge and instructions on how to opt of my personal information being reported.

In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b. 
Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If this is not corrected within 30 days and updated immediately with proof of update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information. I will take this to federal court to seek the highest claim of the Federal Reserve Act Section 29.
Consumer complaint received 2024-05-08
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Capital Recovery Corporation (OK)

I received a email from a company called Capital recovery credit regarding the medical debt for {$110.00} I advised them as is my right by consumer law to not deal with the third-party agency. I placed a cease-and-desist against them for all communication via email phone or text message. On XX/XX/XXXX, I received a second email from them regarding the same debt from the original creditor.I responded to them, advising them that they had ignored the initial cease-and-desist that they were in violation of the FDCPA AND THAT I WAS GOING TO FILE A FORMAL COMPLAINT AGAINST THEM FOR THE VIOLATION. 
On the same day, I received yet the third email from the same company stating that the account was in early stage and then flipped to collections but now closed
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2024-05-05
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've sent a validation letter and needed proof, been trackign my credit and will be investigating this further as I paid off a significant amount of debt from a credit card company I had never used for business purposes. I put my cards away, rented out my room, and saw people abusing their privileges by letting strangers stay. I was threatened to buy gift cards right away when I was informed that I was out of town recovering from another incident in which my phone had been hacked into accessing my accounts. My assistant informed me that when I returned, there were damages, credit cards, IDs, and SSNs taken, food missing, doors unlocked, and the car was in use, so I have started to place police reports that lead to dead ends. When I saw that a car loan and a loan under my primary account were being attempted or actually taken out, I was informed that I had no other approved account holders when I checked my phone 's app. To cut a long story short, I thought the accounts were safe and inactive until they were hacked and stolen. Later, I began to receive letters from Reassurgent regarding debt collection. I have requested verification of this debt and asked if they have any other DBAs to furnish the same information, as I informed them of my experience. In order to prevent myself from becoming a victim of these crimes, I have implemented security freezes and the bare minimum on these accounts. In addition, I received unopened mail dropped off at my apartment that the representative was mailing to the incorrect address, exposing my personal information once more to the public and damaging my credit, which had already suffered greatly due to my carelessness with my accounts and credit. Despite my best efforts to resolve the situation, my credit is still suffering greatly. If these were not fraud charges and all mine, they would have been paid accounts, as I had automatic payments on every account because I was to busy to do XXXX time payments, which was not a problem because I was able to afford the payments.
Consumer complaint received 2024-05-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY (SD)

I upgraded my XXXX AmEx Platinum card to Reserve on XX/XX/XXXX ( approved XX/XX/XXXX ) ; I received a new account card on XX/XX/XXXX that was the wrong color ( purple when I expected silver ). I activated the card thinking it was the correct reserve card and then saw 2 different reserve cards ( silver and purple ) in my online app. I called American Express to confirm that I only had 1 reserve card and they said their records show both a new account and an upgraded card ( upgraded card to the existing platinum account opened XX/XX/XXXX, new account opened XX/XX/XXXX ). I explained that AmEx was authorized only to upgrade the Platinum card and was not authorized to open a second Reserve card. I believe this was a technical error at AmEx that they are looking into but am concerned that ( 1 ) if a systemic issue this could be influencing other citizens and ( 2 ) without a federal report this issue will go unresolved. My original report made on XXXX did not make it to the fraud group and the original agent said to expect 1-2 billing cycles to be resolved, which seems long. The 'official " fraud report ( filed today, XX/XX/XXXX ) may take 30-45 days ( again, seems long ). I am concerned that this duplicate card issuance has already impacted my credit score and have requested that AmEx ( 1 ) remove the incorrect account created in XX/XX/XXXX to the effect of it never having existed, ( 2 ) make internal notation that this error should not affect my AmEx standing in any way, and ( 3 ) contact credit reporting bureaus to ensure this issue is entirely resolved ( removed from credit history with no negative impact on my credit ). Thank you to CFPB for assisting with this case in any way you can.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

XXXX Failed to send me Proof of Signed Agreement To Pay Them anything and They Continue to Send documents or Government Mail to Places I DON'T LIVE that Breaches My PRIVACY AND SECURITY That Needs To STOP They Were Taken Off Of My XXXX and THEY NEED TO STOP REPORTING TO ALL CREDIT AGENCIES STOP TRACKING AND HARRASSING ME IT's Their Responsibility To Sent The Proof Not For ME TO GIVE THEM MY SIGNITURE OR ANY ID TO Compare anything to They Had my Address from The CFPB yet they continue to send my information to Delaware that is a whole different State.
Consumer complaint received 2024-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC. (TX)

XX/XX/year> is when XXXX XXXX XXXX filed for bankruptcy ; abruptly stopping all treatments and customer services promised in the Lifetime guarantee when initially signing up for treatment. What makes it worse was that they proactively messaged/email me about stocking up on retainers and deals for getting friends or family to sign up prior to the announcement of bankruptcy. 

Im now left with giant gaps on the sides of the teeth that I cant fix without starting a new treatment plan with a more reputable company and my very last pair of retainers that I have to barely wear for fear of breakdown. HFD has made multiple attempts to withdraw money from listed debt cards in their system and weve made it perfectly clear, we will not accept half XXXX treatment nor pay for it.
Consumer complaint received 2023-11-15
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. (FL)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days. 

XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

In accordance with the fair reporting credit act XXXX XXXX aka XXXX account # XXXX violated my rights. 

Under 15 U.S.C 1681 section 602 states I have the right to privacy Under 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15U.S.C 1666B ( A ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2018-10-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I started a fraud dispute with the credit bureaus. XXXX is the only creditor that did not removing the fraudulent account from Bank Of America.I 've contacted BANK Of America they using a fraudulent checking account which was opened with fraudulently and using the fraudulent account to verify the credit card account. My social security and ID were compromised and fraudulent account was opened without my knowledge or authority l started a fraud dispute with the bank.I 've send the bank every documentation the 've requested. Bank Of America requested my id from a third party which was XXXX. XXXX sends an ID without my knowledge or authorization. After the Bank had my ID no one asked to verify the legitimacy especially on an ID theft claim, I don't know what XXXX has or what was sent.The Bank never verified with me.Nor did I know my XXXX was an issue I have never been embarrassed trying to explain myself.I'am XXXX by XXXX XXXX. I've been going thru XXXX XXXX XXXX and XXXX XXXX XXXX.I'am ashamed and disappointed how Bank Of America has handled my situation, they were questing my XXXX and making me uncomfortable with questions that could have been avoid if only the bank let me know what XXXX has sent out.I had NO problem sending the bank my id picture, nor em I embarrassed or ashamed of myself. I'am who I am and i'm proud of myself
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (NV)

On XX/XX/XXXX, we called our previous car insurance company XXXX to start a claim for windshield replacement on my XXXX XXXX XXXX XXXX due to a rock chip that expanded. The work was to be done by XXXX. We ended up not going thru with the claim/window replacement as XXXX was not able to do the work due to computer codes for the windshield that only XXXX would have. We subsequently were shopping around for new car insurance when we found out about this claim still on our record- we explained to XXXX ( our new car insurance ) that we never went thru with the claim, they directed us to Lexis Nexis Risk Solutions to dispute this. XXXX relayed this affected our car insurance rate. We did dispute this with Lexis, Lexis indicated they could not corroborate the claim, where we then indicated they had 30 days to remove this claim from our record. This claim is still on our record. In a call to XXXX, they are able to corroborate that the claim was never processed. Ask : Please have Lexis remove this inaccurate claim from our record. 

On XXXX, Lexis responded to both the CFPB and myself that it tried to contact me on XXXX to verify my identity. This is not true. I have today provided my drivers license and a bill in response to Lexis ' XXXX letter. I HAVE AGAIN REQUESTED THAT THEY DELETE THE INACCURATE AUTO CLAIM FROM MY RECORD, AS THEY ARE REQUIRED TO DO SHOULD THEY BE UNABLE TO VERIFY THE INFORMATION, WITHIN 30 DAYS.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

My name is 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. XXXX XXXX XXXX XXXX Date opened XX/XX/2022 Balance {$4300.00}, XXXX XXXX Date opened XXXX XXXX XXXX  Balance {$30000.00}, XXXX XXXX Date opened XXXX XXXX XXXX  Balance {$5700.00}, XXXX XXXX XXXX  XXXX XXXX Date opened XXXX XXXX XXXX  Balance {$10000.00}, XXXX  XXXX XXXX Date opened XXXX XXXX XXXX Balance {$4900.00}, XXXX  XXXX  XXXX Date opened XXXX XXXX XXXX  Balance {$7300.00}, XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX Balance {$24000.00}, and XXXX XXXX  XXXX Date opened XXXX XXXX XXXX Balance {$77000.00}. Please remove ASAP.
Consumer complaint received 2023-04-20
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: EQUIFAX, INC. (OH)

I Have no knowledge of this account, XXXX XXXX XXXX  # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! 

According to 15 US Code 681s-2, 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 2018-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I have a debt in the amount of {$500.00} for a XXXX XXXX Credit Card. I was contacted by Portfolio Recovery Associates and I agreed to pay amount owed if {$500.00}. I completed the transaction via my on bill pay. Payment was completed on XX/XX/18. I was contacted by their collections agent again days later saying I still owed that amount. I explained them to how I made payment and provide the transaction ID and trace number confirmed by XXXX XXXX. Over the past 5 days they have contacted me and demanding me to pay them until they complete their research. They insist that I just " Pay me and then it will be done for sure ''. I asked to speak with a manager and I spoke with XXXX XXXX ( XXXX ) and then XXXX XXXX ( XXXX ). I provided the document from my bank again showing proof of payment. XXXX informed that this document wouldn't matter even tho my bank confirmed this is proof of payment. XXXX gave me two different email address when I asked for and when she did get the email on ( confirmed delivery and receipt ) she read my account number and confirmed it was the same on payment form. I have called to try to resolve but, they give me the run around. I paid the debt, I have confirmation of payment but, no honest results from them or XXXX.
Consumer complaint received 2018-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

On XX/XX/2018 Portfolio Recovery received a request for validation from me regarding a collection on my report. I received a return letter from them on XX/XX/2018, dated XX/XX/2818 ( 3 days after the receipt of my request ). This return letter falsely stated they had sent me correspondence about my dispute to which I didn't reply, and due to me not replying, they were " terminating the investigation of the dispute ''. 1 ) I received nothing from them between the XXXX and XXXX asking for additional information, and 2 ) they terminated the investigation of the dispute within 3 days of my request. They violated my rights as a consumer by lying as well as not honoring my request for validation. Whatever a right as a consumer to request validation, and they violated my rights. I demand this be investigated and that their reporting be removed from my report immediately.
Consumer complaint received 2023-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (MN)

On XX/XX/23, there were two charges made to my checking account with Ally Bank ending in XXXX that I never authorized. They were made through XXXX, which is a program I never used on my current phone and haven't had since before I changed my phone number. 

I reported the unauthorized transactions the same day, and was told I couldn't dispute them until they posted, so I disputed them on XX/XX/23 when they did. I wanted a new debit card issued and it took three different attempts before Ally actually delivered a new debit card to my door.

Ally refused to give me a provisional credit for the {$400.00} in unauthorized funds stolen from my account and sent me a letter claiming that I authorized the transactions.

This is not the first time I've had this type of problem with Ally. The account is a joint account and earlier this year, when my partner 's debit card was compromised, Ally took almost two months to refund us the money we lost.
Consumer complaint received 2024-05-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (IL)

I submited a wire on XX/XX/XXXX, money never arrived untill now On XX/XX/XXXX i got an message thru my chase app, saying that my money where on hold due to a potential sister company of a XXXX company wich has sanctions So just to be clear company i owned is XXXX XXXX, wich is a transportation company here in XXXX, active since XX/XX/XXXX, the company they decided has a relationship with that XXXX company, is called XXXX XXXX XXXX, wich is an outsource company for my transportation company, they provide dispatch services, wich we have invoices and all the documentation for that, after providing all this info to Chase Bank, they said they need XXXX hours to process the info, and money will reach the recipient, after XXXX hours, money never arrive, and are not there untill this moment, after calling and calling again, nobody know when this will happen, and where money are at the moment, please help to find a solution