davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XXXX my chase checking account was hacked and 2 XXXX quick pay transfers ( account ending in XXXX ) were made to unknown person ( {$990.00} and {$770.00} ) totaling {$1700.00}. I immediately contacted Chase fraud dept and executive offices. I was issued a provisional credit of {$1700.00} while Chase investigated mater. I also closed accounts, opened 2 new accounts- changed ID and password. On XX/XX/2019 Chase came back with fraud claim denied with no notice/ email/ courtesy phone call or mail- they just took the amount of {$1700.00} out of my account ending in ( XXXX ) i had pending transactions and cause my account to be overdrawn - charging several NSF fees. I called fraud department and was told they determined that i made the wire transfers my self to a person i knew. They said decision was final and nothing could be done. I did not make those wire transfers. I do not know the person who received money transaction. I have never signed up or used XXXX quick pay. No one has access to my laptop/ cell phone so no way possible i am responsible for this fraudulent incident. Chase does not spend money to protect cyber activity with their online banking services. I also run a daily anti virus program daily on my laptop. I contacted the executive offices ( XX/XX/2019) XXXX ext XXXX ( XXXX ) said he would investigate- also communicated with fraud department XXXX with no success in recovering my money {$1700.00} plus NSF fees as a result of incident. 

I have filed a online complaint with Federal Trade Commission and Texas Attorney general 's office XXXX consumer Complaints. 
Executive Offices Rep ( XXXX ext XXXX unable to resolve at this time. 

Mr. XXXX XXXX XXXX
Consumer complaint received 2019-05-22
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

Called Capital One regarding payment made on XX/XX/19- utilization rate & Credit reporting. 

Told statement date is earlier if falls on Sunday. No payments processed on Sunday. 
Payment processes Monday XX/XX/XXXX and not reported until XX/XX/XXXX. 

Credit Reporting : Actually shows utilization for XX/XX/XXXX when cycle was closed in the XXXX at days end. 

Capital One XXXX said Capital One can not make any changes. As a Senior Account Rep for phone support she is the HIGHEST level- no one above her, no other departments to go to. Only can write Capital One dispute department to dispute mis reporting. 
Asked to file a complaint - did not write the complaint with all issues only vague details in the complaint. Then said she had submitted it and could not read it verbatim to me. 

Non Transparency of practices and procedures. Poor customer service and derogatory affects on credit score.
Consumer complaint received 2018-06-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

My mother wire transferred me money using the XXXX application and my phone number. Neither of us knew that having given my phone number to capital one more then one year before. Also it being a charged off account. They snatched up the money even though it was meant for XXXX XXXX account. How can they just take money not meant for their bank an tell me I don't really have an account it's been charged off but they will keep money anyway. Wow seems really crooked to do that and not have permission from either parties on wire transfer.
Consumer complaint received 2022-03-29
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: Experian Information Solutions Inc. (FL)

I have been in contact with Experian regarding disputing inquiries on my report that I did not authorize for the information to be furnished. This is Identity theft and I have filed a complaint with the FTC on XX/XX/2022 the reference # is XXXX Experian refuse to remove the inquiries stating they will remain for 2 years when I never authorized the inquiries to be furnished. Experian has broken the law continually. According to 15 USC1581c-2 Block of information resulting from identity theft. 

The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which I have never authorized to be furnished on my consumer report. 
. 
This is my second certified letter to Experian. and these are the violations below. 


15 USC1581c-2 USC1581 ( a ) 1-4 15 USC 1679- ( a ) Disclosure required 15 U.S. Code 1681i-Procedure in case of disputed accuracy
Consumer complaint received 2019-05-22
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (CA)

I was trying to apply for a XXXX streamline with Navy they ran my credit without seeing if I prequalified according XXXX XXXX XXXX.Asking basic questions when I close on my current loan or how many payments I have made. I f all the information was captured I would of waited to file my application. I did not know I had to wait 6 payments or 210 days from prior refinancing because it doesnt say it on Navy Federal website for the consumer. 
Also the person that is taking the applications should know lending guidelines when taking applications because it would of saved me a lot of time with scanning in my income documents.
Consumer complaint received 2020-08-20
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. (WA)

I have invalid accounts reporting to my Experian credit report I have tried to solve this many times with the company both XXXX and the creditor Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.
Consumer complaint received 2020-08-20
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: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

The account shows the payments were late. The payments were never late. They also failed to verify the investigation within the 30 days. They did not provide me with any proof of their process.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRUIST FINANCIAL CORPORATION (CA)

Really didnt know what to select on screen prior my issue is that the company Regional Acceptance that I have my car loan with posted a late payment onto my credit when in reality it has not been 30 days late. My payment was late but not enough for my credit to be affect I did reach out to the they said they would look into it because they do not know how this happened
Consumer complaint received 2018-06-26
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 dispute to Experian requesting an investigation into an inaccurate information being reported on my credit report. Bankruptcy ( public record : ref # XXXX filed on XX/XX/2008 don't belong in my credit report. 

I've noticed after doing some investigation the court information on this bankruptcy did not match my SSN and the responsibility party ( joint ) as stated in this Bankruptcy does not match my spouse 's name. The only thing matching is the name. 

On XX/XX/XXXX, Experian sent me an email stating their investigation did not fix the error on my credit report because XXXX and XXXX companies that reported the information to them was certified. No other explanation was given.
Consumer complaint received 2018-06-25
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. (VA)

In XX/XX/2018, I notified Equifax via certified mail that several accounts listed on my credit report were a result of identity theft. I included an identity theft report and applicable statutory guidance regarding their action. To date, items remain on my account. Additionally there are other incorrect information listed. 

Last week, I sent Equifax another certified letter demanding all fraudulent accounts be immediately removed from credit file. Equifax has now placed these accounts in dispute in lieu of removal. This is illegal and highly unethical. Equifax must be mandated to adhere to the law surrounding identity theft, especially, since it likely a result of their breech. 

At this point, Equifax has ignored all attempts to correct my credit file. Please take immediate actions against them. 

Included in my initial letters were letter requesting Equifax to remove fradulanet accounts, proof of identity, copy of my identity theft report and law that governs credit reporting responsibilities.
Consumer complaint received 2022-09-13
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. (GA)

The Credit Bureaus have failed to respond to my dispute letters and claimed that the disputed erroneous accounts are verified. Despite the countless dispute letters as well as CFPB complaints, the Credit Bureaus have failed to properly investigate the accounts and they decided to continue their erroneous reporting. I have read that under the Fair Credit Reporting Act Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$9500.00} Date Opened : XX/XX/2020 XXXX/XXXX  XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2021-02-27
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOAN OR LEASE 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2014 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-07-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

For the second time, this company has appeared on my credit report out of thin air. This time on XXXX with the same amount of {$1200.00} from XXXX XXXX XXXX XXXX as the original creditor. In these critical financial times with COVID 19, I don't have time or the inclination to be playing games with credit. I have yet to receive anything from this company detailing these alleged charges.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (TX)

I am XXXX XXXX, and I'm submitting this complaint myself, and there is NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer, and natural person, have submitted a complaint, ( CFPB COMPLAINT CASE NUMBER:XXXX ), to XXXX XXXX XXXX, XXXX on XX/XX/2021 and have also submitted all documents through mail with certified mail receipt number of XXXX XXXX XXXX XXXX XXXX with an invoice attached with all of the documents which they've received on XX/XX/2021 at XXXX pm. In the invoice, there is a due date listed on XX/XX/2021 of {$1000.00} per violation listed and damages of {$2000.00} with a total of {$10000.00}. I was supposed to have received my check in the mail by the due date listed and no later than 3 days of the due date, a 1 % late fee per day would be assessed until it's paid in full. It is well past the due date and I still have not received my check in the mail per listed violation of my rights as a consumer.
Consumer complaint received 2020-07-19
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NJ)

I am filling a complaint against XXXX XXXX XXXX, because their careless mistake has caused my credit score to suffer greatly. I contacted them countless times to have them fix their mistake but to no avail. I even hired XXXX XXXX to plead on my behalf, still no response from them. I opened an account with them in XX/XX/XXXX and made a purchase. I contacted them soon after one ( 1 ) month to inquire about my bill and was told I had six ( 6 ) months to make a payment and there was no payment due at this time. Upon checking my credit report the following month I noticed that they reported my account late on all three ( 3 ) credit reports. I then contacted them and was informed by XXXX on XX/XX/XXXX that they made a mistake in my mailing address therefore I never got my first bill. Hence, my account was reported as being late for non-payment. That same day I paid {$550.00} which paid off the account. XXXX told me that since it was a mistake on their part that they will rectify it with all three ( 3 ) credit bureau. Payment was posted on XX/XX/XXXX. I follow-up again on XXXX and spoke with XXXX and was told that they are still working on it. Then again on XX/XX/XXXX XXXX told me that it could take up to sixty ( 60 ) from my original complaint on XX/XX/XXXX for the correction on reflect on all three ( 3 ) credit reports. As off XX/XX/XXXX, I have not been able to have them remove the late notice from my three ( 3 ) credit reports and it has been affecting my credit score which took a huge hit as result of their careless mistake. I have their bill statement which mentioned that they made a mistake and their late fee was waived from my account ( see attached document ). 
Please feel free to contact me if further information is needed. 
Thank you for your anticipated cooperation in this matter.
Consumer complaint received 2023-02-07
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. (MO)

Earlier today, someone else fraudulently used my name, address, and a fraudulently obtained copy of my photo ID to issue XXXX fraudulent complaints with the Consumer Financial Protection Bureau, XXXX each regarding Equifax, XXXX, and XXXX. Those complaints are complete nonsense.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PARSON BISHOP SERVICES, INC (NC)

On XX/XX/XXXX after repeatedly speaking with XXXX XXXX and XXXX XXXX about an ER visist that was billed as an in office visit I was told the billing code would be corrected snd a new bill would be sent. I paid mhy last payment of XXXX and was told that was all I needed to do. On XX/XX/XXXX PARSON BISHOP SERVICES has flagged your account as Collections. 

XXXX XXXX XXXX, XXXX. Unbeknownst to me the corrected bill was sent too late to XXXX. Again I get both companies on a three way call and find out the billing code was correct however XXXX made a mistake after telling me it was fixed. 

PARSON BISHOP SERVICES never reached out to me as they used an address I haven't lived in since XXXX. Nor did the contact XXXX XXXX who had the correct address as we had been in touch. The amount owed was reported was incorrect as I had made 3 payments and was told I was good. The amount I paid yesterday due to XXXX error was {$140.00} dollars I was told that XXXX XXXX would have debt removed as the error was not my fault and no bothered to communicate with me that XXXX hadn't paif the remaining balance as they previously stated they would. No One not even XXXX XXXX who know my correct address bohered to reach out to me. 

After XXXX fix the bill I will be refunded but the bill is paid in full.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Adler Wallach & Associates, Inc. (CA)

XXXX XXXX XXXX XXXX XXXX balance $ XXXX AWA COLLECTIONS XXXX balance {$2200.00} XXXX XXXX XXXX balance {$1900.00} XXXX XXXX XXXX XXXX balance {$13000.00} XXXX XXXX, XXXX XXXX balance {$1800.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2020-07-19
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: Sequium Asset Solutions, LLC (FL)

During A Check of My XXXX Credit Report On XXXX I Discovered Information On My Report That Is Fraudulent, Incorrect, and/or Erroneous. XXXX  Report Number : XXXX, XXXX  Credit Report, And XXXX Credit Reports Dated XXXX Show That I have A Debt with SEQUIUM ASSET SOLUTIONS AKA Sequastsol AKAFOCUS RECEIVABLES MANAGEMENT. I have never had any account with this company or any of its Listed Affiliates. I have tried unsuccessfully to resolve this Fraudulent, incorrect, misleading, and damaging information from my Credit report. I am trying to avoid having to file Legal action against the Companies and reporters of the Fraudulent, and/or Erroneous Information, for causing damage to my report and reputation.
Consumer complaint received 2020-07-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (NC)

I'm writing because I noticed a collection account listed under IC Systems Collections that lists on my XXXX  and XXXX  Credit Reports. I have never a letter of dispute notice from this company and or phone call. I have recently disputed this account with the credit bureaus and it has no message underneath the collection with the account being under dispute. This is in violation of the FCRA and this account needs to be removed from my accounts as soon as possible.