davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-20
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: Self Financial Inc. (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose. 
Opened : XX/XX/2020 Amount : {$1000.00}
Consumer complaint received 2022-01-06
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: EQUIFAX, INC. (VA)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2022-03-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Apothaker & Associates, PC (PA)

I had a family issue that caused me to take custody of my nephews in XX/XX/XXXX. It had placed a financial burden on my family as I couldnt work due to their needs. This caused me to miss payments, etc. I was going to file for bankruptcy but decided to try to negotiate settlements with the card companies. I couldnt get a settlement with XXXX and then XXXX XXXX bought the debt. They sued me through Apothaker Scian. I set up a payment plan and everything was going well until XX/XX/XXXX when XXXX erroneously charged me twice. While this happened, it caused my payment to be returned to Apothaker Scian and I didnt realize this had happened. Honestly I deposit enough for the bills and then have everything set up automatically so I dont check the account as often as I should. Apothaker Scian said they notified me by mail that the payment was returned but I never received any communication from them. Maybe lost in the mail?!? However, they never tried to resubmit the payment or tried pulling funds for any subsequent payments that I had preauthorized. They have no frozen my bank account and have caused more damage ( missed daycare payment, insurance payment, late fees, etc ) all over a relatively small amount owed. Especially during a pandemic ( we maybe coming out of it now? ) when everything is rising and things are already tough for many people.
Consumer complaint received 2024-09-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/year> : Selling my bicycle over XXXX social network I became a victim of a fraud. I received official messages from XXXX, a money transfer service collaborating with my bank Chase. I was requested to make a transfer of {$300.00}, which I did through the Chase banking app. 

XX/XX/year> : Over email and phone, XXXX requested me to transfer another {$500.00}. I tried to make a transfer to the same recipient but it failed ( message that the transfer didn't go through appeared in the Chase app ). After that I tried to make a transfer of the same amount twice to two different recipient addresses provided me by a XXXX representative. Both transfers failed ( same message ). 

I recognized, that what was happening was a fraud and immediately checked the status of the payments through the online banking. The first, {$300.00} payment appeared as " processing '', the other payments did not appear at all, which seamed logical because of the error messages I was getting in the app. 

I immediately called Chase. I reported the fraud in the Chase Fraud Department and told them that the {$300.00} payment should not be processed and that the recipient is a criminal. 

XX/XX/year> : XXXXhase has processed {$300.00} payment as well as the three {$490.00} payments which appeared on the Chase app as failed transfers.

I complained to the Chase Fraud Department. I have reported them the day before that it's a fraud and that the recipient is a criminal, nonetheless they, firstly, processed two payments to the same fraudulent recipient and, secondly, processed payments that appeared as failed on their banking app. 

During the subsequent couple of days Chase Fraud Department refused my complains. A representative of the bank I've approached in person with issue escalated my complain. After that I've been contacted over phone by another Chase representative ( XX/XX/year> ) who told me that they won't be pursuing the case any further. 


XX/XX/year> : Chase credited a payment of {$300.00} to my account. However, I've never received any reimbursement of {$490.00} payment processed by Chase to the same fraudulent recipient as {$300.00} which appeared on the Chase app as failed. I also haven't received any reimbursement of the other two payments {$490.00} each to fraudulent recipients which also appeared on the Chase app as failed.

I attach : 1. email communication with XXXX XXXX. Screenshots of text communication with XXXX XXXX. Screenshots of XXXX failed payments over Chase app ( I only made screenshots for two of the three failed payments )
Consumer complaint received 2022-03-22
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: Santander Consumer USA Holdings Inc. (NJ)

I am a victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credit, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my Social Security number has been used unauthorized, and without consent and written or verbal permission. My Social Security number information was breached and alleged creditors have used my Social Security number and are in violation of the privacy act of XXXX etc. unless they can prove a written contract exist. 

XXXX has received my FTC Identity theft report, FTC Complaint and Affidavit, and proof of identification via USPS certified mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX signed for by XXXX agent XXXX XXXX, there is no proof to the contrary. XXXX  is in direct violation of the FCRA section 605B 15 USC 1681c-2 Block of information resulting from identity theft as pursuant they must remove all fraudulent and inaccurate information from my consumer report no later than four ( 4 ) business days after the date of receipt
Consumer complaint received 2021-08-03
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: Experian Information Solutions Inc. (NY)

This is a follow up dispute to Experian about the negative inaccurate account of XXXX  XXXX and the FCRA violations to my Credit Report Im the attachment will be proof of my identity with utility bills with my current address and proof of the inaccuracy of the XXXX  XXXX account Any documents of proves will be in file attachments
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (FL)

I have looked into my early warningsXXXX XXXX XXXX and I have no flags on my account as to why I cant not open a banking account with Chase.

I have tried online several times and it it provides me a error message below : " Thanks for applying, XXXX. Thanks for applying, XXXX. 
We can't open an account for you based on the info you told us. '' I have nothing indicating FRAUD, I have a XXXX XXXX and a XXXX XXXX and another credit union as well. I am trying to close my XXXX account to get Chase and I am not understanding why I can't open an account due to the reason above. When I have been to the brick and Mortar location with all my information such as my ID, social, and birth certificate.
Consumer complaint received 2021-03-21
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. (VA)

I am very frustrated with this matter. I have been trying so very hard to have this incorrect account removed from my credit profile. This has been on my credit profile since XX/XX/XXXX. I have sent an affidavit of truth to both XXXX XXXX XXXX AND Equifax certifying that this company XXXX XXXX XXXX is in clear violation of my federally protected consumer rights. They have not supplied me with any supporting documentation showing that in fact this debt is mine. I have not received any supporting documentation from them since XXXX. I've received no phone calls. And yet, they continue to report this false information to Equifax as well as continue to add finance charges ( 15 USC1692 F ) ( 1 ) I've read the Fair Debt Collection Practices Act, and I realize that as a consumer I have many protected rights. This company has caused a tremendous amount of undo stress, sleepless nights, and extreme anxiety. I've read that it is against the law to publish any information that would be used to create the false belief that I the consumer am a willing participating in the debt collection, which I AM NOT ( 15 USC 1692 j ) Also if you take a look at the document I've provided you will see that the original creditor listed on this collection account is XXXX XXXX.. Because my name is not listed as the original creditor they are in fact in violation and have furnished a deceptive form. I feel as if since XXXX my reputation has in fact been ruined. This day and age EVERYONE looks at a persons credit report XXXX Employment, Insurance, Credit Cards, etc ) XXXX XXXX XXXX has not been fair to me. According to the Fair Debt Collection Practices Act : FDCPA 15 USC 1681 it states that our consumer reports are our reputation. Please take a look at my credit report which I have attached. This collection account has been furnished to Equifax and has immensely impacted my credit scoring in a negative way. I have take appropriate actions and doing my part as the consumer and have not heard back from either companies. In fact, the collection agency XXXX XXXX XXXX is late in giving me my requested response. Please see prior CFPB complaint number : XXXX. I filed my initial complaint XX/XX/XXXX and have yet to hear back from the company. Meanwhile my credit profile continues to be negatively impacted by this false reporting on BOTH XXXX XXXX XXXX and Equifax. All documentation was sent to Equifax via certified mail with the following tracking numbers : XXXX as well as with a green signature confirmation form stamped by XXXX XXXX with the following tracking number : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-14
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. (GA)

I did not consent to, nor benefit from, or authorize any of the following accounts : US DEP OF ED/XXXX  XX/XX/XXXX {$54000.00} US DEP OF ED/XXXX  XX/XX/XXXX {$4100.00}
Consumer complaint received 2019-10-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (PA)

i cant open any kind of a account in any bank b/c it states i owe money to banks witch i dont owe nothing i had my id taken in the earliy XXXX in XXXX pa when i then tryed to open a bank account there when it stated i had one with them and owed a fee here to come find out it wasnt me it was a man who used my ssn in florida and the bank tryed to solve this at the time and coundent now the bank is no longer around but yes kids have taken my car from XXXX pa and all my purse and id was taken and anyone now can get your info online for a fee but im telling u its not me i cant get nothing im not a young chicken XXXX XXXX XXXX captured his first ever XXXX XXXX XXXX XXXX victory this past season with his teammate XXXX XXXX. After his championship victory, is it time to put XXXX among the greatest drivers in the modern era of racing?
Consumer complaint received 2022-10-21
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: JPMORGAN CHASE & CO. (GA)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer
Consumer complaint received 2019-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XX/XX/XXXX - I received notification that my credit score had plummeted over 100 points. After investigating through XXXX, I discovered my Capital One credit card was 3 months in delinquency. This was shocking as I had not used the card, and I had received no notifications/statements/bills - via email, phone call, or paper-bill. I called Capital One immediately and the customer service representative apologized, and informed me that the delinquent charge was a membership fee. She said she would waive the fee, and then told me she had closed the account ( without asking me, or blaming me for the decision ). She apologized again for the inconvenience and said she would notify all three credit bureaus of the error. 

Since this conversation, I have frequently checked my XXXX credit monitoring account. The Capital One card, which I had had since XXXX, is definitely reported as " closed by the creditor '', but the fee remains, and it continues to affect my credit score, which has since dropped even lower. I was charged an extra security fee by my gas company due to this issue, and XXXX XXXX XXXX has also dropped my credit limit because of Capital One. 

It will take me a very long time to restore my credit score - which was in the mid-700 's until 3 months ago.
Consumer complaint received 2021-03-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I had my account closed by Chase without warning and since the federal policy requires banks to notify their clients of any warning related to a account closure, Chase unfortunately decided to act on bad faith and started the process without notifying me as required by law. I have tried everything, even as far as to visiting a branch and talking with the bank employees, who were overheard saying that they were about to get promoted just for helping a high income individual which definitely spells a violation of the federal law that says banks can not engage in favoritism when engaging in business. The bank has already told me that their decision is final, possibly motivated by a 9 year old report on XXXX I feel this was discrimination since they had no problem with me when I opened it almost a year ago. They started the process of closing my account unfairly and without any good reason on XX/XX/XXXX of this year.
Consumer complaint received 2021-05-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (WV)

CACi has continued to contact me regarding a debt that they have refused to validate. I submitted a debt validation letter to CACi via USPS certified signature return mail which CACi signed for on XX/XX/2021. After ( 30 ) days from their receipt of the letter, CACi still had not responded to me nor provided me with the debt validation that I requested. After XX/XX/2021 I was still receiving phone calls from CACi, so I filed a complaint with CFPD. Shortly after the phone calls stopped. 

On XX/XX/2021, at XXXX XXXX EST I began receiving test messages from CACi from XXXX ( XXXX ) XXXX asking me to click suspicious links and to respond to the text message. CACi failed to respond to my validation request and therefore needs to stop contacting me immediately, otherwise I will seek legal counsel. 

NO PII is being included in this complaint VIA CFPB 's instructions.
Consumer complaint received 2024-10-14
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (LA)

I bought a vanilla visa gift card that was already used and they will not give me a refund or give me another card their customer service is not up to par and no one does anything Im stranded in another state away from my kids because of this
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (GA)

Discover is reporting erroneous lates on my credit file. These lates are from the month of XX/XX/20 I was experiencing hardship during COVID and received a few lates throughout that time that I was experiencing hardship. This was really damaging to my credit. I had high credit limits and all those were all brought down. So not only did my credit utilization skyrocket but with the lates my credit took a huge loss. I am asking that you to please remove the reported lates during the pandemic. I was in contact with you and let you know I was experiencing hardship. Under the federal mandate, CARES ACT, you can not report lates during the pandemic. I have been a long time customer and if you review my file you will see the only time I was late was during this troubling time.
Consumer complaint received 2019-04-30
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. (MI)

The following accounts are fraudulent XXXX {$12000.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$180.00} XXXX  XXXX XXXX  XXXX XXXX {$440.00} XXXX {$180.00} XXXX {$830.00} XXXX {$560.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$570.00} XXXX  XXXX {$200.00} XXXX XXXX {$960.00}
Consumer complaint received 2019-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. ()

XXXX  did give the proper document for the account that I dispute and just said that it was mine without verify any information on the account that I am disputing they have past thirty day and that is volition of the law.
Consumer complaint received 2022-03-11
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 (TN)

I made a purchase using my Bank of American Credit Card back in XXXX of 2022. It was a purchase with XXXX XXXX. I immediately canceled the purchase, document the person name, the reference number, etc. My Bank gave me a credit of {$190.00} on my account ending in XXXX, Case number XXXX. The merchandise was returned to XXXX XXXX in XXXX, Florida, XXXX, on XX/XX/2022, at XXXX. 
Now the bank want me to continue to respond to the company, this is over a month later. I received the letter on XX/XX/2022 and have to respond by XX/XX/2022, which is not enough time.
Consumer complaint received 2022-04-25
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (AZ)

This was not sent in error XXXX XXXX XXXX consumer by law at XXXX XXXX XXXX XXXX XXXX misused at XXXX I have some false at not 100 % accurate XXXX XXXX XXXX. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Consumer complaint received 2019-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (TX)

I have a XXXX Amex card since XX/XX/XXXX. The XX/XX/XXXX is my anniversary date. I should get a free night award every year after the card account anniversary date. The benefit terms saying " The free night award will be automatically deposited into your XXXX XXXX member account within 8-12 weeks after your card account anniversary date in the form of an e-certificate. '' Today is XX/XX/XXXX. My anniversary date is XX/XX/XXXX. It has been more than 13 weeks. I still don't receive it. Amex violates their terms. I talked to their customer service. Their representative told me they had created a case for me, which I really appreciate it. And the representative told me i need to wait another 6-8 weeks to get the results. Can you believe it? I need to get an annual free night award after almost half a year since the anniversary date. XX/XX/XXXX is my birthday. You can check through your record. Originally, I want to use this free night with my lover and spend a wonderful day together to celebrate my birthday. But now it's totally ruined.