davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

I, XXXX XXXX, of XXXX, in XXXX, Connecticut, MAKE OATH AND SAY THAT : XXXX. XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, Portfolio Recovery have willfully repeated to damage my consumer credit year in and out for over XXXX years. They have violated many of my consumer rights as well as federal laws and cfpb laws. 
XXXX. XXXX XXXX violated the following Federal laws 12 USC 1431- no bank can loan me anything they are borrowing from me 42 USC 408 -Asking/using my social on any extended credit, pre approval or loans is a federal crime being there is no lawful money. 
UCC 3-104 - Willfully and illegally used my negotiable instrument in the extension of credit to be paid to me. 
15 USC 1602g - I the consumer am really the creditor!
Consumer complaint received 2021-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

I have been disputing since XX/XX/2020 with the credit bureaus on a few collections and they have done nothing about the inaccurate information that is being reported on my credit file. There is so much information on my credit file that is being reporting inaccurately. I have been disputing and they have been blatantly ignoring the issue at hand.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: John C. Heath, Attorney at Law, PLLC (DC)

15 USC 1681 602 states I have the right to privacy 15 USC 1681 section 604A section 2 : states a consumer reporting agency can not furnish an account without my written instructions 15 USC 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
Consumer complaint received 2020-12-03
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: ProCollect, Inc. (FL)

THE ACCOUNT LISTED IS FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT LEASE IN MY NAME I HAVE CONTACTED THE POLICE DEPARTMENT AND FEDERAL AGENCYS FOR CRIMINAL COMPLAINTS I am writing to request and initiate a formal complaint against XXXX, XXXX and XXXX  CRA. On XX/XX/2020, I mailed XXXX, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2020-12-03
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. (CA)

On XX/XX/XXXX I purchased a package of 4 airline tickets through a third party travel agency called XXXX for {$630.00} using my Chase credit card ending in XXXX. The charges posted XX/XX/XXXX. All tickets were from the same airline, XXXX XXXX and were purchased as a package, not as individual tickets. 

In XX/XX/XXXX, XXXX closed its doors to tourists and, accordingly, on XX/XX/XXXX, the airline cancelled 2 of the 4 flights in my flight package, thereby rendering the entire itinerary null. 
As of today, XX/XX/XXXX I have not received a refund for the flight package. 

My attempts to resolve with the third-party merchant : I attempted to contact XXXX five times since XX/XX/XXXX via a contact form on their website. I first reached out when I learned of the XXXX closure to re-schedule my flights to next year, with no response for several weeks ( out of caution, it was at this time I first filed a dispute with Chase ). Once the airline cancelled the flights, I reached out 4 times in the month of XXXX to discuss how to proceed, whether through refund or re-scheduling. I have not been able to get a response from XXXX regarding how to proceed other than your booking is waiting for a refund and multiple generic responses advising me to be patient and that the airline is the entity that is delaying the refund. 

My attempts to resolve with the airline directly : On XX/XX/XXXX, I contacted the airline, XXXX XXXX, directly and they stated that the flights are fully refundable without a cancellation fee and that all XXXX needs to do is call them and request a WAIVER CODE and they will issue the refund. However the airline confirmed that as of XX/XX/XXXX, no attempt had been made by XXXX to initiate this process. My departing flight date was today, XX/XX/XXXX and so I fear that the opportunity for refund XXXX have now passed. 

My attempts to resolve with Chase : Over the last several months, beginning in XXXX after I first attempted to contact XXXX to re-schedule and received no response, I have filed a dispute for the charge with Chase and appealed their decision twice. Each time, I provided all receipts and e-mail correspondence from XXXX and XXXX XXXX. However, each time there was found to be no billing error and the charge remained. I made it very clear in my final appeal that I am not disputing the charge based on a " billing error, '' but rather a product of service you never received or received late as described on Chase 's dispute website. This went unacknowledged, and my final appeal was denied on XX/XX/XXXX yet again for no billing error. Further, Chase stated that they would no longer respond to any correspondence regarding this charge. 

Of note, here is a website that has almost 700 1-star reviews for this third party agency, nearly all with the same problem as me ( cancelled flights, no refund, minimal or no contact ) : XXXX XXXX XXXX
Consumer complaint received 2022-09-16
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: CAPITAL ONE FINANCIAL CORPORATION (DE)

I am raising this complaint to the CFPB against Capital One for negligence and disregard with respect to a dispute that was filed on my credit card in XX/XX/2022. XXXX XXXX : XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX billed my credit card and refused to give me a refund on this transaction. We were in XXXX to attend a concert on XX/XX/XXXX ; however, I tested positive for XXXX that afternoon and had to go into quarantine. When I contacted the merchant, they essentially brushed it off as not their problem and were not willing to make an exception by issuing a refund. The merchant also failed to recognize that they were engaging in deceptive practices by scheduling their " pre-concert party '' right at the same time as early entry began which is what my tickets had been for ; XXXX XXXX XXXX knew this was an opportunity to take advantage for a quick few extra bucks at my expense and even telling them I was sick didn't phase them because they'd rather me turn their event into a XXXX super-spreader rather than making one simple refund. 

Flash forward to end of XXXX when I submitted this dispute. I explained the situation to Capital One, provided the relevant information they requested including a letter outlining the timeline of events and receipt for the transaction as well as the communication between myself and the merchant. Capital One refuses to do right by their customers and uphold this dispute citing that it lacks all previously requested information needed to validate my dispute. I followed the instructions that were given to me by the agent that shared my claim was denied and uploaded everything to the portal to then be told that nothing I provided was sufficient. I think this is disrespectful and in complete violation of Regulation Z as Capital One did nothing on their part to conduct a thorough investigation and was very quick to side with the merchant over {$410.00}.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Credit card companies publish information that is not current and accurate that they claim come from my credit report.That I should take my concerns to them. when I look at my report it is accurate The companies however do not change your much lowered score and it just stays and it affects how much your limit will be and never move. 
always a shuffle between card company saying it comes from bureaus and bureaus saying they do not know ehere the company got information from in the interim I am stuck with lower score and can not get it fixed. 

one bank in particular chase thruu their credit monitoring has me with 8 late payments and I have not had a late payment in 7 years why should this information be out there about me
Consumer complaint received 2020-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE ACCOUNT/LEASE LISTED IS FRAUDULENT SOMEONE USED MY NAME SOCIAL SECURITY AND PHOTO ID TO GET A APARTMENT LEASE IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AUTHORITIES ABOUT THIS IDENTITY THEFT REPORT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I have asked for this account to be investigated for accuracy multiple times with XXXX XXXX and all 3 credit bureaus and it always comes back that the investigation is complete and comes back verified ... .They did not conduct a investigation at allllllllll ... .if they did they would notice all of the inaccuracies in the reporting ... 

this account is reporting as a charge off but its also reporting as an open account..i have attached a tri merge report for proof ... this is a violation account type is reporting differently in all 3 bureaus date of last active is different across the board I demand that this account be deleted from my report due the violations and them not conducting a proper investigation as they should per the law
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I have asked for this account to be investigated for accuracy multiple times with XXXX XXXX and all 3 credit bureaus and it always comes back that the investigation is complete and comes back verified ... .They did not conduct a investigation at allllllllll ... .if they did they would notice all of the inaccuracies in the reporting ... 

this account is reporting as a charge off but its also reporting as an open account..i have attached a tri merge report for proof ... this is a violation account type is reporting differently in all 3 bureaus date of last active is different across the board I demand that this account be deleted from my report due the violations and them not conducting a proper investigation as they should per the law
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have asked for this account to be investigated for accuracy multiple times with XXXX XXXX and all 3 credit bureaus and it always comes back that the investigation is complete and comes back verified ... .They did not conduct a investigation at allllllllll ... .if they did they would notice all of the inaccuracies in the reporting ... 

this account is reporting as a charge off but its also reporting as an open account..i have attached a tri merge report for proof ... this is a violation account type is reporting differently in all 3 bureaus date of last active is different across the board I demand that this account be deleted from my report due the violations and them not conducting a proper investigation as they should per the law
Consumer complaint received 2020-12-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (FL)

On XX/XX/2020 I attempted to transfer {$790.00} to a friend, ( name available upon request ) through Zelle from my XXXXXX/XX/XXXX checking account. The money was suppose to go to her XXXXXX/XX/XXXX account. The money did not arrive. I filed a formal complaint with XXXX XX/XX/XXXX and their response was that the issue is with Zelle. XXXX XX/XX/XXXX called Zelle while I was in the branch and the only information they would give is that the {$790.00} was not deposited into a XX/XX/XXXX account. The transaction number is XXXX. 

I have validated that her name and phone number were correct on the transfer. I have tried to contact Zelle customer service several times without success. They accept no responsibility for losing my money.
Consumer complaint received 2020-12-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION (GA)

I contacted Regions bank in regards to my credit line ending # XXXX which was put deferred on XX/XX/XXXX which is for 3 months and payment was due in XXXX. I spoke to XXXX XXXX on XX/XX/XXXX as well to confirm that deferred had been successful which I was told it was completed and to just wait on the credit reporting to update. I made another call on XX/XX/XXXX which XXXX XXXX was not available but told me that the credit reporting department was still working on it. I made my XXXX payment on both accounts as discussed. Now today, I get alert from XX/XX/XXXXthat Regions is flagging my account as late which on my account it shows current and next payment due XX/XX/XXXX. I contact Regions again today, spoke with XXXX who imessaged XXXX XXXX and was told that my request for credit update on # XXXX was denied but the deferment had been approved. With your account being under deferred no late payments are reported to the credit bureaus. I was told the late payments showing in XXXX and XXXX would be removed. Now no one is talking responsibility for what I was told. I even made a payment on XX/XX/XXXX as good faith in result of the deferment being added. I have contactedXX/XX/XXXX- regions still has not responded and it been almost a month.
Consumer complaint received 2020-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

At XXXX on XX/XX/XXXX, I saw online at XXXX that three fraudulent checks were posted pending on my business account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX, XXXX, XXXX ) of Bank of America, Account No. XXXX. Check no. XXXX was dated XX/XX/XXXX for {$1800.00} paid to the order of XXXX XXXX XXXX XXXX and was stamped XX/XX/XXXX XXXX on the back [ Exhibit 1 ]. It was cashed at XXXX XXXX XXXX Bank of America ( Police report XXXX XXXX XXXX XXXX at XXXX Police Department ). Pending checks were : # XXXX dated XX/XX/XXXX for the amount of {$2400.00} paid tothe order of XXXX XXXX XXXX XXXX stamped XX/XX/XXXX XXXX on the back, and check # XXXX dated XX/XX/XXXX paid to the order of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX of {$3200.00}. Check XXXX was paid to the order of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX ( we never heard of that name ) [ Exhibit No.2 ]. We had the physical checks of those numbers in our office [ Exhibit No.3 ] and it was obvious that those were fraudulent checks. Somebody printed the check and forged the signature with the intent to steal, and cashed it. I called the Bank of America right away, and they told me to wait 45-60 days. We stopped payment on XX/XX/XXXX on check numbers XXXX [ Exhibit No.2 ]. I was not advised of reporting to the police. I trusted that the bank would contact the person who cashed and revert the fund. 80 days later on XX/XX/XXXX, I received a mail from the Bank of America that they have closed the case, that they concluded that I authorized those checks, and the temporary credit of {$5700.00} will be reversed on XX/XX/XXXX [ Exhibit No.4 ] Only then I realized the bank was negligent in investigating the case, so I reported to the police ( Police report XXXX XXXX XXXX XXXX at XXXX Police Department ) and called the Bank of America immediately and appealed the case. But today on XX/XX/XXXX, when I called the Bank, the bank said that they reconsidered the case but concluded again that I authorized the check and they would take the credit back. Due to the obvious negligence of the bank to protect its customers from fraud, we lost {$7500.00}. We are 100 % sure those checks were fraudulent and we have the physical blank checks with those numbers that have not been used. The bank should have investigated those criminals ( or victims of criminals ) who cashed the checks, and taken the fund from other bank or individual and returned it to me, but they have not done so for 90 days. When I asked them to send me the details of investigation, the bank failed to give me any information on the alleged investigation. The bank failed to take due diligence to investigate in good faith. Please investigate this case and return my hard earned money so that I can pay my employees suffering from pandemic, or refer us to any government agency that can protect its citizens from criminal theft.
Consumer complaint received 2020-12-03
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: TD BANK US HOLDING COMPANY (NY)

I have been disputing this Authorizer user account with NORDSTM/TD XXXX and XX/XX/XXXX XXXX multiple times. I already sent letters directly to NORDSTM/TD, XX/XX/XXXXXXXX, XX/XX/XXXXXXXX and XX/XX/XXXXrequesting removal from this derogatory account. I already sent a total of 5 letters just for this request. I am not responsible for this account but it continues to give a negative impact on my credit score. I did all my resources to fix this issue with them. But the only response that I received reporting this account as valid in my credit report. 

I am not responsible for this debt. Please remove me as an Authorized User and delete this from my credit report. Filling a complaint would be my last option for making sure that NORDSTROM TD BANK would do my request. 

1. NORDSTM/TD XXXX 2.XX/XX/XXXX XXXX
Consumer complaint received 2020-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NY)

I received a paperwork from the US NY Marshall for garnishment of my check in late XXXX. The paperwork states that I owe a debt to XX/XX/XXXX. I contacted the number on the paperwork and was informed to go to the police station to file a fraud report. I was advised that they are not filing reports since there is no party to file against base off my paperwork. I paid the agreed amount back in XX/XX/XX/XX/XXXX This information reflects on my XX/XX/XXXXcredit report and XX/XX/XXXX reporting. My report this morning reflects zero accounts in collections. I have an email from XX/XX/XXXX that I paid off a collection account with XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.