davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-02
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. (CT)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.

These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (NJ)

An attempt to open an American Express credit card using my information was made on XX/XX/22. I received an alert from XXXX XXXX and I contacted American Express. I reported this was fraudulent and was told this would be removed in 30 days. As of today XX/XX/22 the inquiry is still on my XXXX  credit report.
Consumer complaint received 2022-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/2022, I received an email saying that a six hundred dollar charge was sent thru my account that was pending after checking my account which opened to check. While my account was still up I called whatever number they express to cancel whatever charge this was. They sent another email saying it was confirmation of my cancellation only that when I opened the email it had looked like someone put money in my account {$5000.00} more than I had in my account I started freaking out that I might be in some trouble and was about to call my bank. That is when in one second all my money in my account looked like it was gone. They threatened me that they have to get back their money or all was going to be missing. They had me running from one store to another buying gift cards to send back their money after about {$3000.00} my bank Suntrust who now merged with Truist called to advise that I was having fraudulent-looking charges on my account to which I told them everything. I made a complaint to the gift card company. I filed Complaints with ftc.gov/scams report number : XXXX and my State Attorney General. I never would have made any of these transactions if I was not under duress. 
Please assist if you can. 

XXXX XXXX XXXX
Consumer complaint received 2021-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I went to the Bank of America ATM at XXXX CA and deposited {$5900.00} all at once, I know, the ATM says 40 bills at the time, I apologize for that. For some reason the ATM started acting weird and making some weird noises, after a good few minutes waiting for the ATM to be done I get a screen that says to type in my deposited amount so I said {$5900.00} so I never got my money back from the ATM. 

I went to my online banking to see only {$400.00} deposited so I called the bank and talked to a Bank of America representative ( XX/XX/21 ), somehow the disputed {$5900.00} became {$5600.00} without my knowledge, I have a messages from XX/XX/21 at my Bank of America online and see that the disputed amount became a final {$4600.00} missing {$1300.00} from the deposited amount and it seems Bank of America don't care because they already took their decision on their favor. 

I know machines are awesome but we can't relay on them all the time.
Consumer complaint received 2017-12-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd (TX)

Nationwide recovery systems has called me several times concerning a debt for a XXXX XXXX ( XXXX, I do n't know the name of the person ). I have asked them several times to remove my phone number from their systems because she does not own the phone number that they have been calling and has not had it for several years. These calls come several times and each time I have demanded that they remove the number from their system, they have yet to do so. Most recent contact was XX/XX/XXXX at XXXX XXXX Central Time. I have never owed them any money and I am tired of receiving their calls for someone whose debt is owed to them. I am filing this complaint to see what can be done to get them to stop calling my number.
Consumer complaint received 2019-08-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (MS)

On XX/XX/XXXX I purchased " No Contract '' wireless service from XXXX. My account number was XXXX. I agreed to pay $ XXXX/mo for the " same great network without the hassle of a contract '' for an undetermined time. I stopped using XXXX 's service XX/XX/XXXX. In XX/XX/XXXX XXXX informed me that I owed them {$140.00} for " holding my number '' three months. I explained to them that I was not in a contract with them and I had made no request for them to " hold '' my number. 

At some point XXXX sold the erroneous debt to Enhanced Recovery of XXXX, FL. XXXX. 

On XX/XX/XXXX I began the process of purchasing a home. XXXX XXXX XXXX XXXX, TN preapproved me for mortgage loan. At that time my credit score was well above the required 620. I was set to close on my home XX/XX/XXXX. I had paid {$1000.00}. earnest money, {$350.00}. for a home inspection, and {$400.00}. for an appraisal. When XXXX XXXX ran my final credit check on XX/XX/XXXX it was discovered that Enhanced Recovery had reported the {$140.00}. collection on XX/XX/XXXX and dropped my score XXXX points. Their timing was impeccable and absolutely intentional, as they were fully aware that I in was nearly the end of home buying process. I paid their {$140.00}. in an attempt to recover my score and save my investment. It didn't work, I lost the home. All the bankers and realtors I've worked with informed me that this is common practice of debt collectors. That they are somehow alerted, so they know precisely when to go in for the kill.
Consumer complaint received 2019-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio America Asset Management, LLC (CA)

Portfolio Recovery Associates, LLC ( PRA ) verified the accuracy of the information regarding the PRA account ending in XXXX and the judgment and garnishment related thereto. PRA purchased the XXXX XXXX XXXX XXXX ( " XXXX XXXX '' ) XXXX XXXX credit card account ending in XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to PRA by XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX whose social security number ends in XXXX and that a balance of {$3700.00} was due on the account at the time of PRA 's purchase. PRA sent its initial notification letter to you on or about XX/XX/XXXX. The PRA account ending in XXXX was placed with the law firm of XXXX XXXX XXXX ( XXXX ) on or about XX/XX/XXXX. XXXX filed suit against you on or about XX/XX/XXXX and obtained a judgment on the account. Correspondence and court records reflect that you were properly notified of the proceedings. Judgment on the account was obtained in Superior Court, XXXX County, California bearing case number XXXX. In response to your disputes, PRA previously sent you the attached letters containing a fraud/identity theft affidavit and instructions for its completion and return as well as account validation. We believe that no further steps in response to your complaint or follow-up actions are required at this time. 
That is just one time!! There have been multiple times.
Consumer complaint received 2021-07-09
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. (IL)

I received a letter from Credit Bureau stating that my letter requesting verification of erroneous items on my report as being classified as " frivolous '' or " irrelevant ''. I assure Credit Bureau that in no way do I consider a matter of such importance to me as frivolous nor irrelevant. 

1. The wrong amount is being reported XXXX XXXX XXXX Account XXXX : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. Wrong date of opening is being reported. I have never been late with payments on this account. 
XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Consumer complaint received 2020-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CULLEN/FROST BANKERS, INC. (TX)

I have contacted this company several times, by phone calls, and the last attempt was a certified letter and police report where it shows this was identity theft, I have not heard from them, Don't know what else to do.
Consumer complaint received 2021-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2021 I alerted Chase bank that I discovered fraudulent charges made on my business credit card in a different state throughout the entire month of XX/XX/2021. The charges amount to approximately {$22000.00}. I have called over a dozen times and have sent over 10 messages to Chase through my online account. Chase Bank has not resolved my issue. I provided supporting documentation by way of credit card statements that demonstrates I was in my home state of Texas while the charges were being made at the same time in the state of Florida. There is only one physical credit card, and I had it in my possession the entire time and never received an alert from Chase. Since reporting the fraud, I have not been able to speak to an investigator and they refuse to credit back the fraudulent charges. No one has called to explain why they have not credited my account.
Consumer complaint received 2019-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

This is from Midland funding for the amount 469 more or less this account has been open for years, and I been in and out of the hospital for serious contions. Someone has my info this is why I never made a payment on it. If you can please consider taking this of my acct I would gladly appreciate it. 
Thank you, XXXX
Consumer complaint received 2019-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Statewide Credit Services Corp. (NY)

I paid a settlement amount over two weeks ago and got a confirmation number, yet the amount is still showing as active and going up. When I called this creditor they claimed that they just sent proof of payment and the letter is on its way. I asked why I can't get a confirmation email and the collector states the don't send emails. I have not received a letter and the money came out of my account.
Consumer complaint received 2019-08-10
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. (TN)

XXXX XXXX  says I owe them {$460.00} but when I went onto my account it says it was paid in XXXX I feel like everything on my account is incorrect I have XXXX XXXX  on there and it says I owe them {$1300.00} something like that but that's false my mother was living there in XXXX I was not living there I was living with my grandmother with my son she use my name I had just turned XXXX now that I'm grown I'm trying to find me somewhere to go because I am XXXX with XXXX children and I filled out so many apartment applications and I got denied because of my credit which is not updated then there is XXXX XXXX I do not owe them I went to my account is there was nothing there. Where is XXXX XXXX XXXX I paid that on the XXXX  of XXXX I think. I tried to dispute but it was declined I'm not sure if I did it correct. I have goals with my credit. My mother said she paid the XXXX XX/XX/XXXX balance of XXXX  in something I need that removed or it can go on her credit I have the manager of the apartments to vouch that I did not live there and that is damaging me getting a apartment.
Consumer complaint received 2017-12-18
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)

Experian has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/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 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P. (FL)

Dear Resurgent Receivables LLC, or to whom it may concern, in my previous CFPB complaint, you mentioned you are licensed, but you never directly answered my question? You answered my question in a deceptive way, CFPB investigate their response. However, I, XXXX XXXX, a natural person, consumer, demands the mentioned documentation below from Resurgent Receivables LLC, also CFPB investigate their response to this complaint, because I believe this company are performing deceptive business practices. Again, the information I demand is below, best regards. 

A COPY OF THE BILL OF ASSIGNMENT. 

RESURGENT RECEIVABLES LLC LICENSE NUMBER TO PRACTICE IN THE STATE OF XXXX  & XXXX AGENT. 

A COPY OR WRITTEN PROOF OF A CONTRACT BETWEEN THE TWO US. 

PROVIDE A COPY OF WHEN DID I, XXXX XXXX, GIVE RESURGENT RECEIVABLES LLC THE PERMISSION AND WRITTEN INSTRUCTIONS TO FURNISH ON MY CREDIT REPORT PURSUANT TO 15USC 1681b ( a ) ( 2 ). 

HOW DID RESURGENT RECEIVABLES LLC CALCULATED THE ALLEGED DEBT AND WHERE DID YOU THOSE NUMBERS FROM? 

HOW DID THEY IDENTIFY THE CREDITOR WHO GAVE RESURGENT RECEIVABLES LLC PERMISSION TO VIOLATE MY RIGHT ( S ) TO PRIVACY SINCE THEY ARE A THIRD PARTY?

15 U.S. Code 1681n ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Failure to comply, will result in violation ( s ) and fines. 


Best regards. 

XXXX : XXXX [ XXXX ] Without prejudice, all natural rights reserved.
Consumer complaint received 2022-04-02
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WAKEFIELD & ASSOCIATES, INC. (AZ)

I received a debt collection statement from Wakefield & Associates LLCXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called the number XXXX that was on a statement mailed to me and said that I do not know the creditor XXXX XXXX that they are collecting a debt for. They asked me to confirm my address and date of birth. I told them I will give them the address of where this letter was sent to but I dont feel comfortable verifying my date of birth because this sounds like a scam. So the person on the phone said ok thank you, have a good day and hung up on me.
Consumer complaint received 2021-04-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIRST MIDWEST BANCORP, INC. (IL)

XXXX21 sent e-mail to XXXX XXXX XXXX, Assistant Vice President, Branch Manager at First Midwest Bank as a follow-up to a visit with my Daughter a couple days earlier to add her to my checking account as a " signer only '' because of my Essential XXXX My account is titled in my Living Trust and I was told that the only way this could be done was for me to amend my Trust and make her a Co-Trustee. I told her I did not want to do this and did not understand why because my daughter was able to sign in this capacity with 3 prior banks where I had accounts. I was told she had nothing to do with those banks but she had talked to her Legal Office and this is what is required. In this same e-mail I asked her to clarify for me if her answer was based on information in my Living Trust ; First Midwest Bank Policy ; or State or Federal Regulations. Whichever one is correct may I have a copy. As of today XXXX21 I have not received any form of communication.
Consumer complaint received 2017-12-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (UT)

National Credit Adjusters have been reporting and attempting to collect a debt that is not mine. They claim it is from some company called XXXX, when I look them up it is some type of loan place. I have never one time done business with that company nor did I ever sign anything. I do have a common name & have had my identity stolen. 
My credit is very good and I pride myself in having good credit. This account that is NOT mine I have been fighting this collection company for so long trying to get them to prove to me that it is mine. They have yet to prove it and it was affecting my business & financing that I was forced to pay the debt recently. 
I demand they prove it is mine still! I have an attorney and will pursue legal action due to their practices.
Consumer complaint received 2020-09-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (FL)

I received a letter from Capio Partners and i sent off a Debt Validation to this company over 45 days ago and they're just responded to my validation letter. This company didn't provide proof that I owed debt except they sent computer printouts but nothing with my signature on it, and also this alleged debt was paid via a lawsuit from car accident of this year.
Consumer complaint received 2022-04-02
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, Account Number XXXX has 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
Consumer complaint received 2019-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MA)

Around XXXX of 2019 I applied for the American Express XXXX XXXX Card. Due to my business travel it made sense to get the perks despite the card being {$450.00} annual fee. It also was advertised with XXXX bonus points which confirmed to me it would be the right choice. 
I had an existing American Express card ( no fee ), and there was never any indication that I wouldn't be eligible for this card or the XXXX points. 
The application process was easy, and I was approved right away. The terms and conditions language around the XXXX points was very vague, basically saying American Express could refuse the points if they wanted ( they keep pointing back to that language ) I was supposed to spend $ XXXX in the first 3 months to get the XXXX points, so I consciously made sure to make that ( I spent well over that amount ). 30 days after getting the card they applied the {$450.00} fee which I paid right away. 
3 months after I made sure I spent enough we inquired about where the points were. They said it takes a few weeks to get them. No follow up, and no indication that we weren't getting them. Same conversation a few weeks later. About a month plus later I called and someone finally said that we weren't getting the points. They also said we got a message during the application process that said that ( never happened ).

I called again to file a complaint. A case was created to research. I never heard back so called a week later. The rep told me that case was closed ( no reach out to me ) and that they couldn't do anything for me. This rep continued to push at that language in the T & C, but also said he could see no reason why this was denied and had never seen it before. I have since filed another complaint and I doubt I hear back. I also reached out to XXXX for support and there's nothing they can do. 
I feel like this is a complete scam. They got my {$450.00} and they forced me to spend $ XXXX in the first 3 months to get something that was never coming to me. I can't believe a company this large has to resort to these practices. I'm at a complete dead end here.
Consumer complaint received 2022-04-02
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

Account name 1 XXXX XXXX 2- XXXX 3 - XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose