davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-17
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: JPMORGAN CHASE & CO. (MO)

JPMCB XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX DE XXXX has not sent me a wet ink signature to validate the alleged account they say I have with them. 

I have sent numerous certified letters to this company asking for a contract ; an account number, ( i do not have one ), and an immediate deletion of ANY notation or listed item on ANY credit report ( s ) that they utilize.

I have received nothing!

This is extremely injurious to my credit score an
d credit reports ; harmful to my reputation ; stopping me from buying a house, car or other credit products, and is a violation of several state and federal laws! ( FRCA, FDCPA, state laws in Missouri to name a few ). 

I need this item removed from my credit reports ; XXXX, XXXX, XXXX etc IMMEDIATELY! 

XXXX has already deleted this item because it was not verified. 

What is wrong with the other credit reporting agencies? 

To date they have not responded except to say they verified the alleged debt through " parroting ''! This is also illegal! 

DELETE THIS ACCOUNT IMMEDIATELY! My next step is a lawsuit AND I have informed them of this also!
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One has not cooperated based on my court agreement from XX/XX/2017 where I agreed to make payments of {$40.00} per month. Today that balance is {$600.00} and they will not update my credit report to reflect the correct balance due. Also this account is no longer a charge off and they have failed to remove it from my report and update it accurately to show the payment agreement. Im attaching proof of the balance.
Consumer complaint received 2021-06-17
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. (CA)

XXXX is wrongfully reporting inaccurate information to the credit bureaus. This item was already removed from all three major bureaus as a result of the account being fraudulent. XXXX is violating my rights for their own financial gain and I am livid! Litigation will be filed towards the company if this harassment doesn't stop.
Consumer complaint received 2021-06-17
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: Experian Information Solutions Inc. (TX)

I have submitted multiple disputes regarding two collections on my credits which are paid account. I have sent documentation and dates they were paid and cleared my bank. Their investigation continues to conclude that the collection remains as unpaid. I paid almost {$900.00} of my own money I work hard to earn to pay these bills and they continue to tell me they are unpaid even with receipts and bank records.
Consumer complaint received 2021-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cooling & Winter LLC (GA)

Tried to reach Cooling and Winter attorneys at law in XXXX, GA for a judgement for garnishment filed in a county that I do not reside in and sent to an address that I haven't ever resided at. This debt is not owned by me or owed.
Consumer complaint received 2021-06-17
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)

XXXX is wrongfully reporting inaccurate information to the credit bureaus. This item was already removed from all three major bureaus as a result of the account being fraudulent. XXXX is violating my rights for their own financial gain and I am livid! Litigation will be filed towards the company if this harassment doesn't stop.
Consumer complaint received 2021-06-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was digitally hacked and had all my info stolen. I saw an unauthorized purchase on my account for {$200.00} from XXXX and reported it to my bank Capital One. During this process someone XXXX XXXX themselves {$300.00} from my account. I opened up fraud claims for both instances. The first from XXXX was cleared but the XXXX was not. I was told that because it was peer-to-peer it was a valid transaction but then they threatened to close my account due to fraud. I was placed on hold and transferred so many time before someone was finally able to tell me something. Now my account is in the negatives and I'm a broke college student with no other options. The best part is that they told me that the fraud was done in a completely different state from where I live. I live in NJ and this was all done in Ohio. There need to be a better way to handle these situation. I can't even access my account for any information and this is the only bank I have.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Status update XX/XX/2019 reporting charged off ... paid ... .and written off and a bal at the same time these reporting agencies have inaccurate information and is unfair which is a violation of my rights and should be removed immediately ....
Consumer complaint received 2021-06-17
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA (PA)

Called Experian to check dispute representative XXXX was upset and hung up on me I called back and requested the report be sent to me and the call was hung up again. 
FED LOAN SERV {$1300.00} AccountnumberXXXX FED LOAN SERV $ XXXXAccount numberXXXX FED LOAN SERV {$3800.00} account numberXXXX FED LOAN SERV {$7500.00} account numberXXXX FED LOAN SERV XXXX XXXXAccount numberXXXX FED LOAN SERV {$7600.00} account numberXXXX FED LOAN SERV XXXX XXXXAccount numberXXXX FED LOAN SERV XXXX XXXXAccount numberXXXX FED LOAN SERV {$1000.00} Account numberXXXX  The state all information was accurate without interviewing my family and associates which is a violation of 15 use 1681 ( A ) ( E ). These accounts are also in violation of 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 use 1681 ( b ) ( A2 )
Consumer complaint received 2017-04-10
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: U.S. BANCORP (CT)

On XX/XX/XXXX 2017, I purchased a US Bank Prepaid Mastercard from XXXX in XXXX, CT. I loaded {$500.00} on the card at checkout. On XX/XX/XXXX, i went to check the balance on the card and the transaction history showed the card had been used in Texas at a XXXX and a XXXX. The entire balance had been drained from the card. I contacted US Bank at the number on the back of the prepaid card and was told to fax in certain information, which I did. A copy of that fax is attached. After hearing nothing for approximately a week, i called back. I was told that they had received my fax, and that the Disputes department had determined that the charges were fraudulent, and that i could speak with the Disputes department if I wanted more inforamtion. I waited on-hold with the Disputes department for approximately 45-minutes. On that call and subsequent calls I left a total of 3 messages on the Disputes department voice mail. None of those calls has been returned, even though they say they will contact you within 48-hours. On my fourth call, the frontline CSR told me they they had to wait for the retailers to do a chargeback, and they had until XX/XX/XXXX for that to happen, but that she could send me the replacement card now, and US Bank could load money to that card when they were finished with their process. I received the card with apprximately {$20.00} on it. XX/XX/XXXX came and went, and no further money has been loaded to the card. I have now been without the money I funded to the card for over a month. I called again after XX/XX/XXXX and was again directed to the Disputes department where i left my final message. Once again I received no phone call nor other response to that message.
Consumer complaint received 2021-06-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My name is XXXX XXXX, my address is XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX, my cell # is XXXX. I am a customer at the Capital One Bank in XXXX XXXX location. My father passed away and I am the only ( one alive ) beneficiary on his bank account. He has a large amount of money at Capital One bank in XXXX XXXX. This branch doesnt have customer service. I had to go to a teller, and XXXX the teller, submitted forms that I had to sign along with death certificates which were faxed to the legal department. These matters are only done by their legal department via email and phone. After several emails since Mid XXXX, I didnt get any response, so I called the legal department only to find out Your fathers account has been closed, but I didnt receive a check. The customer service person in the legal department, just kept repeating that without any explanation as to why. So I went back to the XXXX XXXX branch. Since all services are done thru the tellers window, I had to stand on a long line for over 30 minutes, then at the teller window for over 1 hour so they can locate my fathers account. I have a XXXX XXXX and standing causes XXXX XXXX. The teller finally did find the account. Apparently the legal department placed my fathers account under my name and closed it out under his name. But no check was issued to me.After more then a week, I then had to go back to the bank because I did not get any response or a check still. I was told by XXXX the teller that they needed again the death certificates of my father, mother and brother as they are all listed on the account, but all passed away. Again I gave the teller original death certificates to send to the legal department. Still no response a week later. My lawyer XXXX XXXX XXXX, XXXX  XXXX ) even contacted them, but no response to him either.. This is also holding up my fathers estate. My calls, emails and trips to the bank is doing nothing. I also have a large sum of money in this bank. Im concerned that something will happen to all this money. Because there is no reason for this bank to not release the money. Please help me receive the money my dad worked so hard for and that belongs to me so we can also finish the estate. I dont trust this bank. The bank is robbing me. Capital One contact information is : Bank XXXX XXXX Account Ambassador ; XXXX, Customer Service Phone : XXXX Thank you, XXXX XXXX
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX is repeating inconsistent data with two medical accounts collections, One account being reported as medical in the comments, the other does not. 

I hereby dispute both accounts from XXXX XXXX XXXX for inconsistent reporting. 

2. I herby dispute both accounts as I will provide proof that XXXX operating XXXX XXXX XXXX either is stupid or she's the one performing illegal activities violating my rights- view the attached documents, answer me why she has not responded to the complaints regarding the illegal letter they sent to me. See attached.

3. Why wont CFPB do anything about them lying on their responses on your government website.

4. Why havent you assessed the HIPPA. Violations!? See attached
Consumer complaint received 2022-10-31
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: Experian Information Solutions Inc. (AL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (IL)

On XX/XX/2021 as part of my auto insurance packet I received insurance Scoring and Fair Credit Reporting Act Notice stating that I can contact LexisNexis to obtain free copy of consumer report. 

I filled out request on XXXX within week of receiving insurance packet. On XX/XX/2021 I received notice from LexisNexis via mail stating that " LexisNexis ... was unable to locate a file sufficiently matching your data ''. 
Assigned Case # XXXX On XX/XX/2021 I contacted LexisNexis via email ( XXXX ) providing copy of the - LexisNexis notice - XXXX XXXX XXXX and Fair Credit Reporting Act Notice with information that should help locate my record On XX/XX/2021 I received email communication from LexisNexis with request for copy of my Driver 's License ( Case # XXXX [ Incident : XXXX ] ). 

I have submitted copy of my DL on XX/XX/2021 XXXX XXXX # XXXX XXXX XXXX : XXXX ] [ XXXX : XXXX ] ). 

On XX/XX/2021, I asked LexisNexis to update me on the status of my request ( email sent to XXXX ). 

On XX/XX/2021, I asked LexisNexis again to update me on the status of my request ( email sent to XXXX ). 

As of XX/XX/2021, I have not received any response.
Consumer complaint received 2021-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (LA)

I had an account with XXXX XXXX  in XXXX XXXX Louisiana that was open in XXXX and it was closed in XXXX and paid off .. just over the year I all of a sudden have late payments showing up in XXXX for this account when It never was reported for being late on this account even before. XXXX  is reporting correctly yet XXXX  and equifax has it wrong. I went to the company and he said I was not late in XXXX. I cant be late in XXXX for an account that was paid off on XXXX. This is hurting my recent credit history snd how for months now.
Consumer complaint received 2022-10-31
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. (AL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

I have reached out to Experian ( EX ) over 25 times regarding this matter each time being hung up on or transferred into dead air. 

I have asked that EX follow the guidelines of the FCRA. 
I have reported REPEATED VIOLATIONS of the FCRA to the company as well. 
The company has acknowledged they are in violation of the FCRA and that i need to contact the CFPB if I want to have issue resolved. 

When i asked EX who authorized them to furnish a credit report i was instructed that congress and the CFPB gave them the authority to do such. As I have advised to representatives there that EX is an independent company who ASSUMED this role and was not AUTHORIZED to do such - i am hung up on. When i reach out and ask who gave authorization for EX to furnish a report - i am hung up on. 

According to the CFPB and the FCRA XXXX  needs to have my written authorization which gives instruction or permission to furnish a report on myself. 
I have asked EX to generate the document showing that i have given them permission to furnish a report - the same rules and guidelines as set forth by the CFPB- and they tell me that they can't generate it. I have requested on 10+ occasions that EX delete any piece of information on the current report that they have generated as i have NEVER GIVEN MY WRITTEN AUTHORIZATION to generate furnish or produce any report whatsoever about me or my likeness. Furthermore no piece of information that was furnished was validated or verified as identified by the terms set forth in the FCRA. I never gave permission especially not to report inaccurate data.
Consumer complaint received 2021-06-17
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: HCFS Healthcare Financial Services of TeamHealth (FL)

I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting.I have not received confirmation nor certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the alleged accounts presented in exhibit C are in fact compliant and not subterfuge? ( ***copied from affidavit attached*** )
Consumer complaint received 2021-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: MoneyLion Inc. (TX)

Case # XXXX I have filed a complaint a month and half ago regarding a fraud transaction taken place on XX/XX/2021 in the amount of {$1000.00} and I am filing a complaint again today because the company ( MONEYLION ) still has not resolved my case and I can not get a hold of person in contact ( XXXX ) or anyone. I have filed for a dispute on XX/XX/2021 after having my identity stolen with my checking account / debit card from XXXX XXXX on XX/XX/2021. 
I have been trying to get my money back from this company for over two months now and have provided everything they have requested showing and proving XXXX XXXX has no record of chargeback or a reversal for the transaction amount of {$1000.00} which is a fraud transaction I did not authorize taken placed on XX/XX/2021. 
XXXX XXXX representative confirmed by phone and a letter that the funds was never received for the disputed amount from Money lion therefore, Money lion still owes me the money which I never received and still waiting for. I have tried contacting the company but no response or updates have been received regarding the status of my case.
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (LA)

I had an account with XXXX XXXX  in XXXX XXXX Louisiana that was open in XXXX and it was closed in XXXX and paid off .. just over the year I all of a sudden have late payments showing up in XXXX for this account when It never was reported for being late on this account even before. XXXX  is reporting correctly yet experian and XXXX  has it wrong. I went to the company and he said I was not late in XXXX. I cant be late in XXXX for an account that was paid off on XXXX. This is hurting my recent credit history snd how for months now.
Consumer complaint received 2022-10-31
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX  to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 of receipt.
Consumer complaint received 2021-06-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I have sent investigation and dispute letters on the following dates : XX/XX/XXXX, and XX/XX/XXXX Not only have they not performed any investigation into these items like I requested, but they have not sent me any investigation results by mail. This is a DIRECT VIOLATION OF MY RIGHTS! I have tried to be nice, and respectful, but the bureaus have ignored my requests to investigate these accounts that are reporting incorrect information on my credit reports. The following items should be removed from reporting to my file immediately because they have not investigated them in the time allowed by the FCRA laws.