davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I continue to ask ARS TO PROVIDE THE FOLLOWING...... THEY NEVER SEND THE INFORMATION I'M ASKING FOR. 

FORWARD DETAILS ABOUT YOUR AUTHORITY TO COLLECT THIS DEBT WHETHER YOU ARE LICENSED IN MY STATE AND IF SO PROVIDE THE DATE OF THE LICENSE, NAME ON THE LICENSED NUMBER AND THE NAME ADDRESS AND TELEPHONE NUMBER OF THE STATE AGENCY ISSUING THE LICENSE IF YOU ARE CONTACTING ME FROM OUTSIDE MY STATE PROVIDE THE LICENSING INFORMATION FROM YOUR STATE AS WELL
Consumer complaint received 2023-02-27
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Our prior management never transferred control or signature authority of CapitalOne Business Savings Account # XXXX to any of the current management. We have no way to regain control of the account and our funds have been effectively stolen. I am the XXXX XXXX XXXX XXXX XXXXXXXX for XXXX XXXX XXXX XXXX XXXX. 

I am empowered by our Board of Directors to gain administrative access to all of our financial accounts and records. I have access to the prior Controller/CFO 's email address which sends me notice that a statement is available for our corporation 's bank account. However, I have no way to gain access to the account or statements. I have called customer service and was escalated to a supervisor who said that they had no process to transfer control of the account without the participation of the retired signees on the account.
Consumer complaint received 2016-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CT)

I have previously disputed inaccuracies on my bankruptcy # XXXX such as balances, Experian always comes back verified with no proof just name and address of court house. According to the provisions of the Fair Credit Reporting Act 609 ( a ) ( 1 ), ( 2 ). Proof should be verified physically and not through a 3rd party.
Consumer complaint received 2022-09-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: JPMORGAN CHASE & CO. (NY)

I transferred money by mistake to my closed chase account in XXXX. I called chase many times since XXXX trying to get my money back. I was told many different things by chase representative. First they told me that my money will bounce back to the initial account, where it came from because my chase account is closed. I called my other back XXXX  and asked if they received the money. XXXX  said they do not have the money. I called chase and told them XXXX  said no money bounced back. Chase kept insisting that my money went back to XXXX. I called chase again and again throughout the month of XXXX. Once Im told the money went back, next week i was told theyre disputing the transferred money I sent. I spoke to many different people at chase customer service and every time I called they told me theyre either disputing it now or it was disputed or it got bounced back. 
About 2 weeks ago I spoke to another individual at chase and he told me my money was sent to me by mail as a cheque after deducting {$42.00} because my old account had a negative balance. I told the representative I did not receive any cheque and what should I do to cancel the cheque. He told me to go to the bank in person and ask them to cancel the check. Today, XX/XX/XXXX, I went to chase bank and the people at the branch told me they cant help me because the branch did not issue the cheque and I have to call customer service. I called customer service and after I explained the situation and told them Im at the bank, they put me on hold for about 30 minutes, after collecting all my information. I never got any help Later the bank gave me another number to call. I left the bank and called the number for help. This time the representative told me I have to go back to the bank and have them call a number. She gave me the number and it was the same number the branch gave me and told me to call for help. 
Im not receiving any help from chase to get my money back.
Consumer complaint received 2022-10-01
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. (NY)

When I applied for XXXX XXXX Bank credit card I asked to receive paperless billing because I was in a process of relocating. I have not made any purchases on the card and did not expect to receive bill yet the credit card company sent paper statement in a mail to my old address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX when I specifically asked for paperless billing. When I realized the account was deliquent I asked again to change it to paperless billing and to update my mailing address to XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX bank reported that I was late in XXXX  of XXXX and XXXX of XXXX. I asked them to remove it from my report and spoke to them several times and they agreed to remove it verbally. I also disputed the late payments with credit bureaus. Based on their favorable response that it will be removed I paid {$5000.00} XXXX money towards purchase of home. When I called them again they said that my request to remove the late payment was declined. They lied to me saying they will remove it and I lost {$5000.00} XXXX money because I was disqualified for a mortgage. I want them to remove the incorrect information that was late. I did not made any charges on the card and did not expect a bill. Moreover, they did not act on my request to change to paperless billing and so when I moved I did not receive the bill.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

Account Name : XXXX  XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (CT)

On our XX/XX/XXXX Mortgage Statement my Wife and I noticed the TMS " The Money Source '' paid our annual Hazard Insurance Three ( 3 ) times in error thus causing a " shortfall '' in our escrow account. 

XX/XX/XXXX {$5300.00} annual premium renewal was sent to XXXX XXXX XXXX ; then XX/XX/XXXX {$5300.00} annual premium renewal was sent a 2X to XXXX XXXX ; then XX/XX/XXXX {$5100.00} annual premium renewal was sent a 3X to XXXX XXXX. 

XX/XX/XXXX ( XX/XX/XXXX TMS " The Money Source '' statement $ {$5100.00} was " returned/refunded '' to my Wife and I which I here confirm. 
{$5300.00} was then refunded and also sent back not to us but to TMS " The Money Source '' but was never applied back to our escrow and they do not know where it is in their company. 
{$2900.00} Escrow Shortfall appears " due '' by my Wife & I on the XX/XX/XXXX TMS statement.
Consumer complaint received 2022-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act, the following accounts 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 an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-07-02
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (FL)

I received an email from Experian that the investigation is complete and my report. isready. Unfortunately, every time I tried to log into the report Experian 's website had problems and I ca n't log into it. I emailed customer service several days ago, got another email with the comment that my report is ready and again the website is telling me : '' We 're sorry, we experienced a system problem and are unable to provide your personal credit report for online viewing at this time. You may want to try again later ''
Consumer complaint received 2015-09-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (MI)

Experian locked me out of the online dispute website stating that I was disputing frivilous information, on XXXX XXXX ACCT # XXXX. Back in XX/XX/XXXX it XXXX XXXX XXXX and the first date of DELQ. was XX/XX/XXXX. As you will be able to see by looking at the XXXX examples that I have submitted for supporting documents It is n't frivilous at all it is a valid claim and I would like the tradeline removed and a new updated copy of my credit report and score.
Consumer complaint received 2019-12-27
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (ND)

On XX/XX/2619 I went to u.s. bank about XXXX in the morning to pull money out of the ATM like I always do it was broken when I put my card in it fell straight down to the people that were working on the machine I asked the lady can I have my card back she said I need to see ID I said hold on a second I have to go get it out of the car when I came back she had took it upon herself to shred my card, I understand policies I was just going to the car she didn't even give him the time I never received money from the ATM or anything like that I use that ATM all the time.she had no right to shread my card and then lied to my husband and said the machine did it when the machine was broke down she did it.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

Account Name : XXXX  XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX  XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-31
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)

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I'm disputing on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. 
I've tried submitting my documents several times but the bureaus seem to be ignoring my disputes.
Consumer complaint received 2015-05-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NV)

I have disputed this problem with the XXXX major credit bureaus and they have not compliedI have a Bankruuptcy Case # XXXX and it was dismissed but the XXXX major credit bureaus will not remove this item from my report. I am seeking the assistance from the CFPB to help with this matter.
Consumer complaint received 2019-12-27
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: JPMORGAN CHASE & CO. (MD)

Chase credit card states that I have an outstanding bill with them. To the best of my knowledge and record-keeping and documentation, what I have ordered from the website Amazon purchased three ( 3 ) antique copies of the XXXX XXXX XXXX ), I already have paid in full including shipping and handling purchased in XX/XX/XXXX, and PAID IN FULL EVERSINCE. Because I very seldom shop, let alone shopping online, I am not interested in subscribing to Amazon Prime. 

On XX/XX/XXXX, I have received a bill for XXXX-what gives? I sent the statement back with an explanation and a copy of my payment to reflect my PAYMENT IN FULL. on XX/XX/XXXX, I received another bill for {$91.00}! I called Chase at XXXX to question this bill. After being passed around three different people, I finally spoke with a person in the fraud department. This person stated that he would have this investigated, in the meantime, my credit score has gone from XXXX to XXXX. The explanation states the late payment from my Chase credit card, xxxx-xxxx-xxxx-XXXX. 

The resolve I would like to see is the following : 1. For Chase to contact Amazon Prime and correct the error and cease the fraud activity ASAP. 
2. A CORRECTIVE ACTION for Chase to contact all credit bureaus and report this error and correct my score to what it was. My credit score should even be higher now that I have earned more creditworthiness after the current purchase of a home, AND paying my car note in full! 
3. To be provided a CORRECTED copy of my credit report from XXXX, XXXX, and XXXX  as soon as possible.
Consumer complaint received 2019-12-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/XXXX and XX/XX/2019 XXXX XXXX took {$2200.00} and {$580.00} from my account. I did not authorize this transaction nor did I give them my account information because I have no knowledge of who this company is or what it offers. I put in a dispute on the same day XX/XX/XXXX when my banking app alerted me. I have not been refunded my money. I also put in a complaint to the XXXX  on the same day and got a response from the company saying that I sign a document that I didn't. They also said that they have been emailing me and have been in contact with me which is not true at all. They have provided an email that has never been my email and an IP address which is also not my IP address. I turned in the information to the bank with all the proof that nothing this company has is from me. When looking up this company on XXXX  they have hundreds of complaints. I also looked them up on XXXX and they do not even exist. The internet clearly states that this company is a scam and has been scamming people. All I want is my money back. I believe that if I put my money into an account that it should be protected and it wasn't because the bank hasn't given me my hard-earned money back. I don't make that much and have been saving this money for 3 years and is unfair because the bank should have given me my money back when I called into dispute it and went after this company
Consumer complaint received 2016-12-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CO)

I have written to Experian now many times about the inquiries listed on my credit report that have no permissible purpose and I have asked them to remove them and they refuse. Instead they want to keep putting security alerts or opt-outs on my report. This is NOT what I am asking them to do. This complaint is not claiming ID theft or asking Experian to put a security freeze or fraud alert on my report. This complaint is to ask Experian to supply me with the permissible purpose for each inquiry that is circled in black or remove them from my credit report. 1. I did not reach out to these creditors nor do I remember having any need to apply for credit. 2. I was never extended credit by any of the listed and circled creditors. 3. Experian is guilty of sharing my information with them that should be only seen by me and they are incorrectly reporting them as a hard inquiry. Either way these companies did not have any permissible purpose in pulling my credit, many of them are duplicates why would I apply to them multiple times if I was not given a line of credit, does not make sense. So Experian is to REMOVE EACH OF THE INQUIRIES THAT ARE CIRCLED AND YOU ARE NOT TO PUT ANY KIND OF FREEZES OR ALERTS ON MY ACCOUNT INDICATING FRAUD THAT IS NOT THE PURPOSE OF THIS COMPLAINT. YOU ARE SIMPLY NOT DOING YOUR JOB BUT YET REPORTING INACCURATE INFORMATION AGAINST ME AND IT MAKES IT LOOK LIKE I HAVE BEEN APPLYING FOR CREDIT ALL OVER THE CASE AND THAT IS NOT THE CASE. REMOVE THESE INQUIRIES IMMEDIATELY AND SEND ME A NEW CREDIT REPORT SHOWING THESE HAVE BEEN DELETED.
Consumer complaint received 2022-01-31
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. (NJ)

Why it's so hard to fix credit report errors? The Experian credit reporting agency has been listing 2 different social securities on my credit file. One social security belongs to someone else. I disputed the same issues a long time ago. They deleted someone else 's social security, and then they added someone else 's social security number again. 

I have also been disputing the error from XXXX XXXX ; unfortunately, it's not getting corrected. 

1. The Experian listed duplicated negative marks to my credit file. Same account numbers with different amounts. And it has been reaged. 

2. I disputed an error about XXXX XXXX XXXX remarks on my credit file that the car loan account was over due in XX/XX/XXXX. This account was never late since XXXX XXXX and I agreed with the news Settlement Agreement on XX/XX/XXXX. The amount listed on my credit report is not the amount shown on the new settlement agreement.