davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

To whom it may concern : In a recent self credit check I got surprise when I saw a number of accounts that don't belong to me, that is when I learn that my identity has been stolen, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below : KOHLS/CAPONE Account Number : XXXX I also filed identity theft report with the FTC with the items in question. 
Please help me resolve this matter, Thank you.
Consumer complaint received 2023-01-05
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. (MS)

In accordance with the Fair Credit Reporting Act Equifax has violated my rights. Equifax is reporting 3 XXXX XXXX charge off accounts which is a violation of 15 USC 1681 E and 15 USC 1666 Correction of Billing Errors. The account have been charged off since XX/XX/2018. I have requested this consumer reporting agency to remove these accounts and they have refused. 

15 U.S.C 1681 section 602 A states I have the rights to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent.

15 USC 1681 E Compliance Procedures states for a consumer reporting agency ( CRA ) to assure maximum possible accuracy in its credit reports.

15 USC 1666 Correction of Billing Errors states A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement It has been over 30 days without any response from equifax.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX  Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXXXXXX XXXX Date of Inquiry XX/XX/20XXXX XXXX Date of Inquiry XX/XX/2XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/20XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX  Date of Inquiry XX/XX/2022XXXX XXXX Date of XXXX XX/XX/2022, XXXX Date of Inquiry XX/XX/2XXXX XXXX XXXX Date of Inquiry XX/XX/2022
Consumer complaint received 2020-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had been trying to make my monthly payment to my secure Capital One account, the payments were returned to me. I made several payments before the due date and Capital One returned my payment because I made the payment before the due date. I was finally able to make the payment on the due date which was the XXXX of XXXX, the credit due to the payment was not applied to my account to this date has not been applied yet. I thought it was but to my surprise it was not and I did not find out about this until I had to rent a vehicle and I found out the card did not go through. I made a payment on the XXXX the credit due to the payment has NOT been applied. please assist. Capital one is doing this in a way they are over charging customers. the best way to get a hold of me is via cell at XXXX
Consumer complaint received 2021-02-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kohn Law Firm S.C. (IL)

Kohn Law Firm has claimed I defaulted on a payment during a bank holiday when they said the payments should have been collected before or after the holiday. My check is dated for the XXXX of XXXX, which was the payment date! 

I was never informed and now they are trying to take legal action in court again without notifying me! 

I would have chosen a day earlier or later for my monthly payment date if they told me about their bank holiday practices! 

This is completely unfair to me!
Consumer complaint received 2023-06-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

JPMorganChase Bank is in violation of Title 12, XXXX XXXX  Section 4001-4010 of the United States Banking Laws. On XX/XX/, I entered the Chase Branch # XXXX, located on XXXX XXXX, CA XXXX to open a checking account using a Social Security XXXX check payment of {$2600.00} which the bank opened. 2 days later, while checking the status of the account, I discovered that the account had been locked by the Security & Fraud department. After placing multiple calls to the " Help Center '', and getting hung up on several times by the center, I was told that security had closed my account but no one would say why. I ultimately contacted the Executive Offices in Texas to find out what is going on. I was told that they would assign a " Special Investigator " to find out what happened. In addition, I was informed that as the check had already cleared and the account had been closed that I could return to the branch the following day and retrieve my deposit. I entered the branch on XX/XX/ to make the withdrawal and was refused by the bank. The security department had refused to release the deposit back to me and refused to speak to me or clarify what the reason for the situation is. I called the Executive Offices again and was told that an investigator had been assigned and was transferred to her. The case # assigned is XXXX. The agents name is XXXX, no last name, at extension # XXXX. She told me that she hadn't had time to review the case yet but that she would look into the matter and call me on Monday. The agent has spent her time ducking my follow up calls and has been giving me the run around and basically doing nothing but stall for the security department. Her last excuse before not answering my calls anymore was that no one had returned her requests for information yet. The only communication from security was a message sent to the Chase app which I no longer had access to to read. Tomorrow, XX/XX/ now marks 15 banking and 18 actual days that they have been holding on to my very first XXXX payment in defiance of federal banking laws. They have continued to send me welcome information and the debit card even though the account has been closed. I am now pursuing a criminal complaint with the US Attorney 's office for XXXX California along with the District Attorney 's office for XXXX XXXX XXXX and the California Attorney General 's office. I have already and continue to pursue complaints with both State and Federal Agencies that have regulatory authority over commerce, businesses and securities and exchange services. I am also going to retain an attorney to sue for an amount no less than {>= $1,000,000} for damages, pain and suffering and punitive damages. I am also notifying the Social Security Administration and the ADA since I am XXXX and they are interfering with my life and health as well as the health and XXXX of a XXXX XXXX  All of which will look very good on the XXXX XXXX for them.
Consumer complaint received 2020-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

This is my sons debt for the amount of XXXXdollars that opened XX/XX/2019 for season tickets to XXXX XXXX  XXXX XXXX me and and my son both reached out to Midwest recovery systems to explain this is my sons debt but I have had no cooperation from them I have filed disputes with XXXX  and XXXX  I had very good credit rating and exceptional payment history this my sons debt we share the the same same I am a XXXX and he is the XXXX  and some how they used my name I have not received any billing statements or emails regarding this it was opened with my sons email account and phone number and credit card!
Consumer complaint received 2020-06-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (NY)

Allegedly i owe {$920.00} to a credit card in which i never had a credit card with that line of credit. I never received correspondence from this agency that they have an closed account under my name. I found out through XXXX XXXX. The company 's name is Jefferson Capital. I sooke to a representative on XXXX XXXX.They are not abiding under the fair debt collection act, by not sending correspondence. As you jnow this further more hurts my credit, not corresponding. For I am also concerned because they are locate at XXXX XXXX XXXX, XXXX, MN. I reside in New York. I asked for debt validation to see if their proof of license can be conducted in New York. When i asked them for debt validation they did not want to proceded but explain the charges on my account.Please intervene, contact this company. Tell them to delete this from my credit report and seize all collection efforts.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

I am writing to express my dissatisfaction with the handling of fraudulent items on my account with Credit Bureau. Despite promptly reporting these fraudulent transactions, I am dismayed by the delay and inefficiency in their removal. I discovered unauthorized transactions on my account, which I immediately reported to your company 's customer service department. I was assured that swift action would be taken to investigate and remove these fraudulent items from my account. However, to my dismay, the process of removal has been unduly prolonged, causing me significant distress and inconvenience. As a valued customer, I expect timely and efficient resolution of such matters to safeguard my financial well-being and restore my confidence in your company 's services. The continued presence of these fraudulent items not only poses a threat to my financial security but also reflects poorly on your company 's commitment to customer satisfaction. I urge you to prioritize the expedited removal of these fraudulent transactions from my account and take proactive measures to prevent similar incidents in the future. Additionally, I request transparent communication regarding the steps being taken to address this issue and provide assurances of enhanced security measures moving forward. ailure to resolve this matter promptly will compel me to escalate my concerns to relevant regulatory authorities and explore alternative recourse to protect my rights as a consumer. I am asking for your assisstance to remove othese fraud items in my credit file : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2020-09-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (NY)

My husband received a call from a man who stated he was with Midland Credit. He did not ask who he was speaking too, just started rattling off information about an account that I, XXXX XXXX had. He never even disclosed his name. He told him last time I made a payment, and that I may have many options, and that if I don't resolve this matter, that they are going to send my account to an attorney and sue me. This call happened on XX/XX/2020. They never verified who the debt belonged too, they DID NOT read the mini miranda.

They called from an unknown number. 
There phone number is XXXX. 

I realized when I went to their website I, have an account with them, but I received no calls and or letters. I have another account I am paying monthly with them. Not sure why they would call someone else and not verify who they were speaking too. I am willing to pay my debts but I will not be threatened and I feel my privacy was violated and they did not properly identify themselves or confirm who they were speaking too and advise this was an attempt to collect a debt.
Consumer complaint received 2021-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NY)

I used the Experian credit service last year and wished to cancel in XXXX. I reached out via phone and could not reach a customer service rep so I reached out via email and have continued to be billed {$14.00} for the past 4 months. 

I am not receiving any of my credit data every month and my information is not linked to an account of any kind with them. They are extracting money without providing anything.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-06-19
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 (GA)

On XX/XX/2020 I mistakenly purchased a wig from a XXXX Hair site called XXXX XXXX. For the amount of {$33.00}. I tried emailing this I believe fake or incompetent retailer for a full refund on this product literally a few minutes after I made the purchase. I tried a few times after contacting the retailer but NO response. I contacted / filed a claim with my financial institution Bank of America in regards to this on several different occasions. So last week or so I received in the mail some long matted wig that I never ordered. A bait and switch and steal peoples monies type of operation this hair site I believe is. All I want is my REFUND in which Bank of America denied me. Ive been a customer of this bank over 25 yrs! WOW. Please help me get my REFUND. Thank you
Consumer complaint received 2020-09-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

Requested Covid 19 Hardship company accepted but claimed check was not received but they had cashed it over a month ago. Report I was late XXXX appox.
Consumer complaint received 2020-06-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (PA)

XX/XX/2020,XX/XX/2020 I called at least 3 or 4 times and I was told to call unemployment for a replacement card. I been calling unemployment and even left a message and I haven't receive a call back. My card balance is the amount expected but I don't have the card. I'm having trouble because I have to fax proof of my new address.
Consumer complaint received 2022-11-05
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$60.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

THIS IS MY THIRD COMPLAINT. 

XXXX IS CLAIMING THE SUBMISSION COULD NOT HAVE BEEN SENT BY ME THE FIRST TIME. 

IN MY SECOND COMPLAINT I SUBMITTED MY DRIVERS LICENSE AND SOCIAL SECURITY CARD WITH CONFIRMED ADDRESS. 

MY DRIVERS LICENSE AND SOCIAL SECURITY CARD ARE ATTACHED BELOW ALONG WITH THE 6 LETTERS SENT OVER THE LAST 12 MONTHS TO XXXX. 

I Have tried to dispute the incorrect information with the Credit Agency 's with little to no progress.

I began the process in XXXX of XXXX and as of XX/XX/XXXX the disputed issues that I contested are still on my credit reports. 

After ordering my detailed credit report, I disputed the records with both the issuing company as well as the credit agencies them selves. The debt agency and creditor bureaus were unable to find any information proving the accounts were mine as required by Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A of FCRA. One of the accounts in question was opened at a location and time in which it would have been impossible for me to authorize.

After Writing 6 separate letters to each credit bureau, I have been unable to receive a solution to my issues. I have asked several times for proof of the account as required by Section 609 and 611. The credit bureaus and the supposed debt and credit companies that issued the disputed items have not been able to provide any  relevant information regarding the validity of the account. A number of the accounts disputed have no relevant account history, or history that began after my original dispute was filed after XX/XX/XXXX. Many of the accounts have missing information for several months. None of the accounts have been verified with the required supporting documentation. 

I wrote the dispute and follow up letters by hand over the last 11 months and mailed them with Registered/certified postage. I have copies of all letters and correspondence to and from the credit bureaus attached to this complaint. 

IDENTIFICATION ATTACHED BELOW.
Consumer complaint received 2020-09-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (OK)

Sun Trust Bank allowed an account to be opened with my name and address and a social security number that deviated one digit from my true social security number. An account was opened fraudulently with my information on XX/XX/2020 and the account was immediately overdrawn. They did not verify identity and let someone open an account in my name without identification or proper social and let them overdraft the account, when I call to get info they refuse to give me any info due to the fact that the social they used is one digit off even though the account is in my name and they used my address. There are no brick and mortar suntrust banks in my state ( Oklahoma ) so I have no way of finding out whats going on when they are using my information.