davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

XXXX there was an incident where I my information was stolen and fraud occurred with a XXXX XXXX XXXXXXXX account. They were called and never stated to me the proper steps to take to submit a claim. My information was stolen due to my information data breach and exposure to XXXXXXXX XXXX. The FTC has been notified and a report has been made since I discovered how to submit one in XXXX. The fraudulent information in XXXX XXXX needs to be removed due to inaccuracy.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

To whom it may concern, I am writing to file a formal complaint against Bank of America regarding an account that has been fraudulently opened in my name, XXXX XXXX XXXX and XXXX XXXX, which is in result of identity theft. The fraudulent account is as follows : Bank of America account number appearing as " XXXX '' for {$520.00} I have attached a notarized copy of the Federal Trade Commission ( FTC ) Identity Theft Affidavit, as well as a police report documenting the identity theft incident. I also have attached my government issued ID and a utility bill for proof of identity and address. As a resident of Texas, I am aware that aggressive consumer laws are in place to protect victims of identity theft. Texas state law, under the Texas Finance Code 20.02, provides consumers with strong protections against creditors and requires swift action to rectify fraudulent accounts. 

Despite my efforts to resolve this matter directly with Bank of America, the fraudulent account have not been adequately addressed. Therefore, I am filing this complaint with the Consumer Financial Protection Bureau to request your intervention in resolving this issue. 

I request that Bank of America conduct a thorough investigation into the fraudulent account and take immediate action to remove this from my credit profile. Additionally, I request that Bank of America provide me with written documentation of the results of their investigation and any actions taken to rectify the situation. 

I appreciate your attention to this matter and look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

This is in regards to Capital One Venture X card. It's a travel credit card, with an annual fee of {$390.00}. One advertised feature is that rewards miles earned on the credit card can be transferred to travel partners, such as airlines or hotel chains. However, they utilize a multi-factor authentication method to prevent fraud which blocks many legitimate users from even getting to the screen where rewards miles can be transferred.

The user is asked for a phone number. The system then tries to bounce the phone number off of the cellular provider to see if the name and address matches. However, this method does not always work properly. I've had my card for about 3 weeks, and it does not work yet. In fact, it may not ever work for me because I acquired my cell phone plan through the organization I work for. I've talked to XXXX XXXX XXXX the cell phone company my organization contracts with, and they say there's nothing they can do at their end to make this validation go through. 

I've talked with Capital One twice about that matter. They keep saying that it's a known issue since this new system was put in place a few months ago. They say there's nothing they can do until their tech people figure it out. They also say that they can not transfer miles over the phone. 

Since this is an advertised feature of the card, it is unacceptable that their fraud prevention methods are blocking many legitimate users from taking advantage of this redemption method.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have a credit card with Capital One my minimum payment is {$25.00} and it's due on the XXXX first time I went to make a payment at the website using my debit card I was told I can only make a payment using my checking account and after that the next payment I went to make I made it on my due date the XXXX they charged me a {$25.00} late fee because they said I had to make it before XXXXXXXX XXXX I had no clue I had to do time I know I had to do date same thing happened again this time they charged me a {$40.00} late fee they credit the {$40.00} late fee XX/XX/XXXX I made the minimum payment of {$25.00} on the XXXX and before XXXX they charged me another late fee of {$40.00} because now they saying I didn't make the minimum payment they're adjusting my minimum payments in late fees for month to month
Consumer complaint received 2024-04-30
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC. (MA)

Company did not respond with in twenty days according to Federal Reserve. Which is now truth without recourse. They also did not follow their own Arbitration law by Repossession of Vehicle or any law under GAAP. 
They violated my right to Arbitration under their own law I ask they remove and vacate judgement and return my Vehicle. As they have sent notice of auctioning my Vechicle on XXXX XXXX and followed none of their laws under the security exchange, and XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

Chase bank has been holding my money since XX/XX/year>, i have a letter from your corporate office stating the funds would be here tomorrow XX/XX/year>, if I dont receive my money I will file suit, call the news and have you guys all over social media by end of week! 

I have several XXXX from the XXXX plus phone calls Ive made saying the funds are approved for release but waiting on back office that no one can talk to. Have documentation stating money is approved and on its way but receive different stores every time I call. Also filed a XXXX report against chase bank in XXXX XXXX.
Consumer complaint received 2024-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Finance Company, LLC (DC)

I had a credit card debt with Continental Finance Company that went into default for XXXX, the account went into collection and was bought by XXXX XXXX XXXX, XXXX, then XXXX brought the debt for the same amount. XXXX sent me an compromise offer to settle the debt for {$320.00} to which I accepted and paid off. 

My account with XXXX # XXXX again was settled, I contacted them to make sure that they would contact all Credit Reporting Companies as this debt being settled and paid in full and have my a credit file updated as out of collections. 

XXXX looks like they only reported the XXXX and still leaving a balance on my report as outstanding, as I understood it that the offer would settle my debt and paid in full but it does not appeared that has happened. I contacted XXXX on XX/XX/24 to open a dispute to contact XXXX to update this as paid and satisfied. 

On XX/XX/24 I contacted XXXX Customer Service ( XXXX ) to get information that they would be contacted the credit reporting agencies to update this account as paid, XXXX informed me that they had no information or could not give me information regarding the status. 

If they bought the debt for XXXX and offered me a settlement of XXXX and I paid that offer I should not have this reporting on my credit file, otherwise I feel like this company did a bait and switch. 

I'm waiting for XXXX to finalize their inquired to my dispute of this, but wanted to also file a compliant with the CFPB.
Consumer complaint received 2023-11-01
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. (IL)

Dear Sir/Madam, I am writing to formally dispute the following accounts on my credit report, which were recently verified despite their inaccurate representation of my credit history. I believe the verification process was not conducted in compliance with the Fair Credit Reporting Act ( FCRA ) and its relevant provisions. 

XXXX XXXXXXXX XXXX XXXX # XXXX Violation : Failure to conduct a reasonable reinvestigation under FCRA 611 ( a ) ( 1 ) ( A ) The account details provided in the credit report are inaccurate and do not reflect the true history of my payments and credit standing. Furthermore, the reported delinquency does not accurately represent my payment history. 
XXXX XXXX # XXXX Violation : Failure to update or correct inaccurate information under FCRA 611 ( a ) ( 1 ) ( B ) The reported delinquency of 120 days in XX/XX/2023 is not accurate as there were no outstanding dues during that period. Additionally, the account balance and credit limit information do not align with the actual terms of the account. 
I request that you investigate the above accounts in accordance with the FCRA and ensure that all the information on my credit report is accurate and up-to-date. Please provide me with a detailed investigation report and make the necessary corrections to my credit report as required by law. 

Enclosed with this letter are copies of relevant documents supporting my claims, including payment receipts and account statements. 

I appreciate your prompt attention to this matter and expect a response within the statutory period of 30 days as stipulated by the FCRA. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CLGF Holdco 1, LLC (NY)

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( XXXX MILESTONE ) ( XXXX XXXX  ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Universal Recovery Corporation (CA)

I worked for XXXX XXXX XXXX XXXX located in XXXX XXXXXXXX XXXX from XXXX. They had ordered pest control services for on of their offices. Apparently they did not pay XXXX XXXX XXXX XXXX then XXXX XXXX XXXX XXXX sold the debt to Universal Recovery Corporation. Universal Recovery Corporation could not recover the debt from the original owner which is XXXX XXXX who is the owner of XXXX XXXX XXXX XXXX XXXX Universal then searched up other contacts from XXXX XXXX and listed me on the account for collections. I had no idea about XXXX XXXX  requesting pest control services nor do I own or make decisions for services like that since I was the XXXX XXXX I found out about this debt from my credit report in XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year> Universal Recovery Corporation and XXXX XXXX XXXX XXXX  acknowledged that I did not own the debt and they sent the confirmation via email. Please see the attachment. 


Thank you, XXXX XXXX
Consumer complaint received 2023-04-26
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. (CA)

On XX/XX/XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$870.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-01-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management (NC)

I rented a unit at XXXX XXXX. While installing cabinets in the unit above me. They put a screw into a pipe that leaked down into my unit ruining the carpet. They never replaced the carpet When moving out, they tried to charge me for the carpet, and I refuse to pay. 
I emailed you all the evidence and action was taken removing the bill submitted by XXXX XXXX XXXX Now the exact same bill is up again under a different name fox collections After all my work and spending XXXX dollars to make copies and email everything to you what good does it do if these people resubmit under a different name
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX acct # XXXX Showing 5 late payments listed below XXXX XXXX 2019 XXXX XXXX XXXX this in correct, these payments were not late
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX  XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Negative ) <This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately> -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 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 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-25
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: JPMORGAN CHASE & CO. (CA)

High level detail 1. I made a {$1000.00} purchase at XXXX XXXX ( camera ) and they sent a {$35.00} product ( microwave trim kit ). 
2. I reached out immediately and they were supposed to send the correct product, but they didn't.

3. They refused to look into it, so I made a dispute with Chase 4. They didn't look at the evidence or do the diligence to get the money refunded even though I reached out in the appropriate timeframe ( twice ) 5. Chase had 2 chances to resolve and let the time run out and then said they wouldn't look into it I simply want a refund for a purchase I made on my chase card that I never received Evidence provided shows XXXX tracking code for the purchase and that the box delivered could not fit a camera. Lots of other details that show what happened that I'm happy to walk through
Consumer complaint received 2022-10-27
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. (AL)

I reached out to all the bureaus to get these fraudulent accounts and inquiries off my report but nothing has changed at all. 

In accordance with the Fair Credit Reporting act they have violated my rights. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I reached out to them and spoken to a rep who stated that if I paid off my car they would also delete the late payment history as well. 

XXXX XXXX  Date Opened : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/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 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 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 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
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

After sending a lot of Dispute Letters and FTC reports, these unauthorized and fraudulent inquiries are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the unauthorized and fraudulent inquiries that are reported on my credit report. These inquiries are NOT MINE. 


Do not close my complaint and ask for proof of my identity because all the attached letters have my ID and Proof of Address in it. Thanks!