davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-26
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. (TX)

In accordance with the Fair Credit Reporting act Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-23
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. (MD)

I have disputed these fraudulent negative accounts and they are still on my credit. I submitted dispute letters and FTC reports and they still have not been removed. 

TXXXX XXXX XXXXXXXXXXXX XXXX XXXX {$8300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$8300.00} Experian : XXXXXXXX XXXX XXXX {$8300.00}
Consumer complaint received 2021-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2021, I, XXXX XXXX completed an online application with Capital One for a credit card. I received a denial for credit the same day stating the reasons why. The reason for Capital One decision is explained in the sentence below- *Based on your credit report from one or more of the agencies on the back of this letter, there have been too many recent inquires. 
*Based on your credit report from one or more of the agencies on the back of this letter, recent credit bureau inquiry. 
*Based on your credit report from one or more of the agencies on the back of this letter, length of revolving credit history. 
*Based on your credit report from one or more of the agencies on the back of this letter, insufficient experience with high lines of credit or credit amounts. 
According to The Truth and Lending Act, I, XXXX XXXX extended my credit to Capital One which made them the borrower according to 12 U.S.C 1431. Capital One explains how their decision was made based on the Fair Credit Reporting Act, which is false and deceptive according to Federal laws!
Consumer complaint received 2021-01-29
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. (IL)

I want to bring to your attention a great injustice done to me by my mortgage company XXXX XXXX ( actually XXXX  ) by reporting me to XXXX XXXX with a fake late mortgage payment. 
I have my mortgage on my condominium since XX/XX/XXXX and I paid every month in time. NEVER missing a payment or being late!!!! Working hard for over 10 years to build a great credit score of XXXX!!! 
In XX/XX/XXXX I received my last mortgage statement XXXX XXXX my principal being XXXX ( XXXX! ) $ after I made the payment in time. In XX/XX/XXXX I contacted XXXX for payoff, I send a cashier check of XXXX in XX/XX/XXXX if XXXX. 8 days later I found that the cashier check is lost and I cancelled it and send a new one XXXX in XX/XX/XXXX of XXXX. I also send it to you the received and the trucking number for the cashier check. 
With shocking surprise I receive in XX/XX/XXXX another bill for mortgage payment in sume of XXXX XXXX 
When I talk with them over the phone they told me that is a mistake, that the system is still generating mortgage payments because my mortgage maturity date is XX/XX/XXXX. They also told me that I should disregard the bill and that they will fix the system and I will no receive another bill for mortgage payments!! 
After weeks of talking with XXXX  on the phone, more than 14_15 phone calls and hours spended with them on the phone, I found out that they actually reported me beeing late and they XXXX my credit score from XXXX to XXXX now!! 
Is a big injustice!! Is fake, stressful and very dissatisfied after years of payments in time!! 
I consider XXXX beeing very unprofessional, fake, untrue, never looking for facts or verify the payments, just spreading fake informations. I will never look forward to deal with them for any other loan, never recommend them to anyone!! 
Please fix my credit score or I will look for justice in court. Just check all the fact and bring the true to the life. 
Thank you! 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX IL XXXX XXXX XXXX Loan number XXXX
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (AZ)

I had my identity and my social security check stolen from my account when I mistakenly called a number that I thought was XXXX about being refunded for a payment that I had made to the wrong account. I was asked to go to a local XXXX and use the atm there after the scammer told me ( remember I thought it was XXXX but wasnt ) that it was the only way to get my refund. I was asked by the scammer to put in different codes into the atm there. When I realized I was being scammed, I quickly checked my online banking account and my social security check was stolen and the account was overdrawn by more than {$800.00}, which I immediately called Huntington Bank and reported to their fraud department. They said that it would be 10 days before I could get my money back. In the mean time, i locked all 3 credit reporting agencies, filled a police report and froze my Social Security number as well as reporting to Identitytheft.gov. I also had to get a new drivers license as the scammer asked to see my id through an app on my phone. 
I found out that the bank had put in the fraud for goods not recieved ( which was wrong ) and had to wait an additional 10 days at which time I was told they would not be refunding me any of my money. In the mean time, my following months Social Security check was deposited and applied to the negative balance, which left me still in the negative balance. I was able to get them to refund {$50.00} in fees and was still negative. Both social security deposits combined were a total of {$1500.00}. I have several case numbers from Huntington as well as all the receipts from the atm. My money was stolen to buy bitcoin. I dont even know what that is!
Consumer complaint received 2021-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (PA)

I sent a dispute letter to XXXX  in regards to a collection company named EOS CCA on XX/XX/XXXX and was delivered on XX/XX/XXXX about an account that doesn't belong to me and I never received a response in the mail and by law in the fair credit report act section 611 ( a ) Requires that a company has 30 days to do an investigation on the date of notice they receive the dispute. I never received nothing in the mail from XXXX. I repeat this account does not belong to me. Then I sent two validation of debt letters to this collection agency once on XX/XX/XXXX and was delivered XXXX XXXX. Which another 30 days went by still i've heard nothing from this company which is another violation of the fair credit reporting act. I've now sent out another letter on XX/XX/XXXX that was delivered XX/XX/XXXX to this collection company asking them to cease & desists all collection activities because they have no proof this debt belongs to me. I've sent out three different disputes to this company EOS CCA and still no response I would like for this collection to removed from my credit report immediately
Consumer complaint received 2024-03-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (MN)

I submitted a support ticket to Gemini Trust Company , LLC 's customer support team on [ Monday, XX/XX/XXXX ], requesting additional information about a " security hold '' that was placed on my account. 

A customer service representative ( called " XXXX '' ) responded to my support ticket on [ Monday, XX/XX/XXXX ] confirming the account restriction and requested that I provide additional personal information to confirm my identity ( i.e., copy of my photo ID ). 

I promptly provided this information on [ Monday, XX/XX/XXXX ] and then received a follow-up email requesting information about my account activity. The customer support representative requested additional information about my recent cryptocurrency withdrawal attempt, which I promptly responded to on [ Monday, XX/XX/XXXX ]. 

It is now [ Tuesday, XX/XX/XXXX ] and I have not received any response from their customer support team about the status of my account restriction. I have XXXX XXXX, valued at {$29000.00} at the time of this complaint that I am unable to withdraw from my account.
Consumer complaint received 2021-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2020-12-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (AL)

On XX/XX/2018 I was alerted by the 3 credit bureaus that Jefferson Capital Systems and XXXX XXXX are illegally reporting a negative collection account on behalf of XXXX. I have not had any business dealings with any of these companies and have been disputing these fraudulently acquired collections as identity fraud for months. I am filing this complaint requesting assistance in having the collection of these accounts stopped and deleted from the bureaus permanently, as they have negatively impacted my ability to get home financing. The reporting is inconsistent and stating the debt is {$890.00} with one bureau and {$270.00} with the other two. If this can not be rectified soon, I will be forced to pursue civil action as this violates my Fair Credit Reporting rights.
Consumer complaint received 2024-03-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/18 i received a fraud alert that looked just like all chase alerts do so i responded no to to scam of a alert if i made a purchase in Florida so i said no then another chase looking text came in which i still have saved that got me to fraud department so i talked to them and he knew my credit card numbers and bank info. After that he asked for me to use another phone so i could put in a bunch of codes in my XXXX to fix the XXXX  so i knew that was a scam and hung up and called my chase rep to tell them what happened and he said he was on it and have names and date and screen shots of time i called. 
He told me it was a scam but my account looks good. i begged him to watch and not let anything go though because they where really good at scam and had my account numbers. By the end of the day they innated XXXX wires and XXXX went though, XXXX for XXXX and XXXX. 
At XXXX ; XXXX i called my bank rep back and he could not believe it went though and promised it was not my fault and they would make good on scam. 

After compliant he filled with me within 2 days the XXXX department denied my claim and said i had something to do with it. So i responded back that I called your company at XXXX XXXX  to ask you guys to watch over my account.
Consumer complaint received 2021-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Problems with Mortgage Payments since XX/XX/XXXX My Mortgage payment is spited 2 instalment. One on the XXXX of the month the second on the XXXX. In XX/XX/XXXX I notice that the payment on the XXXX was not withdrawn. I called multiple times and Bank of America representative said that my account was fine that I didn't had any payments pending. In XXXX the same problem happened the XXXX of the the month the payment was not withdraw. At that moment a supervisor told me that Bank Of America did an update to the systems and that it had a glish the bank of America was aware of it And I was not going to be penalize for it. At that moment I requested for them to take the payment at that moment. In XXXX, XXXX and XXXX all my payments are withdraw with no issue. At the beginning of XXXX a I received a call from the collection department of Bank of America stating that my account was pass do. I requested an investigation because of everything that happened and because at this point they have not collected any payment in XXXX when my XXXX XXXX account have the funds for the payments. I been told that I will receive a call back and that never happen. They tell me to call after 24-48 hour and that the problem will be solve and that doesn't happen the last report number that I got is XXXX And today XX/XX/XXXX I was told that I have to wait until XXXX XX/XX/XXXX so they cam fix my account. At this moment I this Bank of America is discriminating against me because I'm XXXX
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

I received a letter from a company, Pro Collect stating that I owed {$2000.00}. I have no idea who Deposit IQ is and I asked for verification and validation with a signed agreement between me and Deposit IQ. I received a settlement letter instead. This has been ongoing for 3-4 months. The major credit bureaus have reported the dispute as verified, although, I do not know what proof they have. I have no knowledge of this debt.
Consumer complaint received 2024-03-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (GA)

I sent a letter for validation of the said account to Transworld Systems INC., whom I have no knowledge of an agreement nor contract with and have not received validation nor correspondence in an effort to correct said debt. I have no knowledge of said debt.
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Unauthorized XXXX withdrawal from my checking account in XXXX XXXX. Claim was filed and XX/XX/XXXX and was notified on XX/XX/XXXX that my claim was denied. I contacted chase bank multiple times before XX/XX/XXXX and they kept delaying their decision date. Currently living in XXXX and have transactions in XXXX on the same day of that withdrawal.
Consumer complaint received 2021-11-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/2021, I purchased jewelry from XXXX that was advertised as XXXX XXXX XXXX. It was not. I have a letter from XXXX XXXX stating so. I started a claim with Bank of America ( the credit card issuing company ) for the return of my {$63.00} spent on this counterfeit product. After submitting some documents to the bank they issued me a credit for the above amount. Then the merchant submitted documents showing proof of delivery and the bank reversed my credit. The merchant 's submittal discussed nothing about the heart of the problem -- counterfeit product. The bank then sent correspondence to me asking for additional info. I did not respond to this request because the case numbers on their correspondence did not match up, so I concluded that the left hand of the bank did not know what the right hand of the bank had done. Then I got a letter from the bank saying the case was closed because of time and deadline issues. I have since sent documentation to the bank as well as discussing the matter on the phone but have received no satisfaction. I have tried to explain to them that the timelines imposed by the Fair Credit Reporting Act do no apply because this is not a billing error but rather an issue about quality of product. The people I have dealt with do not understand the legal significance of this. Please help
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AL)

Fraudulent inquiries due to me being a victim of identity theft through the XXXX XXXX data breach. XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2021-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

1 ) On XX/XX/2021 around XXXX XXXX, I called Chase Visa customer Service at XXXX. 
Chase Rep. said there is no records on the card I provided. Then transferred my call to fraud Dep. and this Chase Rep. ( her name is XXXX ) couldn't find any record either. then she instructed me to any Chase branch for further help/identification. 
2 ) the same day at XXXX XXXX, I went to a Chase Branch at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. A Banker ( XXXX XXXX ) helped me with identifying my Visa Card and my Driver 's License. I also show her the the latest Card statement. Then she made a phone call and find out this Visa Card was closed recently and said Chase will not close it unless card holder made a request. I said I didn't do it since I still have XXXX points on this account. Then, she helped me to file a complaint to Chase Complaint Dep. 
3 ) On XX/XX/2021 Chase Complaint Dep. called me and said the same thing as the 1st time ( no records on this card ). I told her your branch found it, she respond that she need to further to investigate and will call me again. 
4 ) On XX/XX/2021 XXXX XXXX ( she told me her name ) called me ( with this # XXXX ) and she said this Visa Card was closed by Chase for no/little activities on this card. I said " why didn't I receive any notice '', she said Chase did send notice. I said I didn't receive it and can you prove it. She had no answer, and I said what about my XXXX ( equivalent of {$260.00} cash ) Reward points. She said they will be no longer available since the Card was closed. I said that means Chase forfeited my reward points/money, she agreed. 
I felt Chase had very evil intention to steal client 's money by using this dirty trick.
Consumer complaint received 2020-02-19
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: ENCORE CAPITAL GROUP INC. (PA)

In XXXX, I disputed an account on my credit report with XXXX XXXX as I was a victim of identity theft. Upon XXXX  XXXX doing their own investigation, I received a letter in the mail dated XX/XX/XXXX indicating that they looked into my claim and found that the account in fact was fraudulent and also indicated that a request would be sent to XXXX, XXXX, XXXX  and XXXX to delete this account from my credit file. 

XXXX XXXX did exactly that and everything was as it should be until XX/XX/XXXX when suddenly a third-party collector, Midland Credit Management reported this same account to all three major credit bureaus, and it showed up as an unpaid derogatory and collection account. 

First and foremost, I never had any association with this company whatsoever. Secondly, how did they even obtain my personal information, and thirdly and most importantly, I still have possession of the letter directly from XXXX XXXX on their letterhead regarding this matter which they indicated the account was fraudulent and then subsequently requested the removal of this account from my credit file to no longer negatively impacting my creditworthiness. 

I truly value my credit and manage it very well, so I find it appalling that XXXX XXXX would sell my information even after this matter was resolved in XX/XX/XXXX and this third-party company would try to coerce me into paying them money that I DO NOT owe them. What is most bothersome in this entire matter is the fact that Midland Credit Management sent me a letter dated XX/XX/XXXX and acknowledged my dispute and stated that they are awaiting to receive additional documents from the seller! Their words not mine. They paid for my information and admitted to it. Additionally, the same letter indicates in the interim they initiated a request that the three major credit reporting agencies delete this referenced account. 

Well why would Midland Credit Management proceed to have the account deleted if in fact I owed them any money at all which I clearly do not? Is this an attempt for them to clean up an oops on their part and cover their tracks because I should have never had to experience this egregious error causing unwarranted anguish by sabotaging my credit as if I'm guilty until proven innocent. 

To date, this account has already been removed from XXXX  and XXXX  but not XXXX. I corresponded with XXXX directly about this matter and was told they're unable to remove the account despite the fact that I have written proof that should easily remove it just as it was removed from t

he two other major credit bureaus already. With all of that in min
d, your assistance with a swift resolution to this very upsetting matter will be greatly appreciated.