davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-06
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. (NY)

I was charged {$850.00} on XX/XX/2022. I used my card to open a tab at a bar in XXXX, SC. I was charged the {$850.00} by the business and disputed the charge with Chase two days later after. I did not initially notice the charge, someone charged my card the extra {$850.00}. I told Chase the charge was fraud and they decline my fraud claim a few weeks later. I called Chase and they said it is a separate issue since I used my card after the charge was made. I did this because I did not know the charge was even made on my card until I reviewed my credit card statement. Chase is not refunding me for a fraudulent charge. Chase issued me a new card after I flagged that charge as fraudulent.
Consumer complaint received 2022-06-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed a complaint with CFPB on XX/XX/2022 because the 3 credit reporting agencies was violating the law in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Acct # XXXX and XXXX XXXX XXXX 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 Also, I asked the reporting agencies and the creditors in these cases to validate the loan with any paperwork with m y signature on it, that proves this debt belongs to me. According to 15 U.S.C. Sec. 1681i ( a ), they have to show what methods they use and who they talk to regarding this debt, but I have not received any verification of debt and it has been over 90 days of disputing and requesting accuracy on my file, this has been exhausting and taxing on my mental, emotional and physical well being. 

the 2 accounts on my report are : XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-06-06
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, XXXX account name XXXX XXXX, including Account # XXXX, XXXX, XXXX, XXXX, 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
Consumer complaint received 2022-06-06
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: EQUIFAX, INC. (MS)

In accordance with the Fair Credit Reporting Act XXXX Account : XXXX. XXXX XXXX They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX/XXXX # XXXX, XXXX # XXXX, Dept of education/XXXX  # XXXX, XXXX XXXX university # XXXX, Us Dist ct # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, Child Support # XXXX, XXXX  XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # 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
Consumer complaint received 2022-06-06
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. (TX)

The dates on late payments and balances are not accurate and collection status should not be on my credit report. 


XXXX XXXX XXXX BALANCE : {$1200.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX BALANCE : {$610.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) BALANCE : {$1200.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) BALANCE : {$830.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) BALANCE : {$2000.00} STATUS : DEROGATORY ACCOUNT # XXXX
Consumer complaint received 2022-06-06
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX Bank 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 without my written instructions.
Consumer complaint received 2022-06-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Recovery Services, Inc. (NJ)

There were not options for me to pick the correct complaint. 
I had a debt charged off XX/XX/2019 for XXXX Visa, The Bank of XX/XX/XXXX. It was reporting as such on my credit report and I have been slowly working with creditors to get any charge offs settled. The creditor wrote the debt off in XX/XX/XXXXand apparently it went to XXXX XX/XX/XXXX, then in turn sent it to Financial Recovery Services. 
This last company decided to re-age the account putting it on as a NEW collection account thereby dropping my score 45 points! A collection is before a charge off how can these companies ruin peoples credit and make a buck off a charged off debt and report it as if you went delinquent on a new account recently? There is so much compliance and regulation in every other industry and why are these creditors not regulated, constantly hurting consumers, selling debts over and over and even when they paid NEVER updating the credit? Here I am trying to fix my credit and they can just do what they want and ruin it again. I have disputed this over and over and nothing has changed. I want them to put it back to a charge off and I will settle with them but if I do that now it looks like I just paid a new collection again hurting my credit more. Please advised on any recourse. Thank you
Consumer complaint received 2022-06-06
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: BARCLAYS BANK DELAWARE (WA)

With a zero balance ( paid off my account XX/XX/XXXX to the amount of {$3500.00} and a second payment of {$50.00} on XX/XX/XXXX to cover rest ) after paying off an initial promotion, I received a new balance transfer promotion of 0 % interest if paid in 9 months from Barclay bank ( XXXX visa ) in the amount of XXXX plus a fee of XXXX on XX/XX/XXXX. Due to the size of the payment " no payment due '' until XXXX of XXXX. This offer receipt shows up for the first time on my XXXX XXXX XXXX statement. 

I called to verify that my last payment would be due in XXXX to satisfy the debt ( that would be the XXXX month and billing cycle from the date of deposit ). They told me the promotional period ends XX/XX/XXXX. This is 8 months of a promotional period, not 9. 

I called 2 times to get the information I needed. The first person told me the terms ended XX/XX/XXXX ( also not correct ) so I'm glad I called back. The 2nd call, two agents later, kept going around in circles about how " I can see your point that it's only 8 months but that's the terms of the agreement for 9 months. '' This is not mathematically correct or appropriate. So now am I not only going to miss the XXXX month, forcing me to pay the interest in bulk, but the payments I would have made should they have been transparent, or rather non fraudulent up front, could have been bigger to account for the deficit due to their misleading advertising. I do see on my XXXX statement they allocate the expiration to XXXX, and that again is not a 9 month term. Look at a calendar. XX/XX/XXXX to XX/XX/XXXX is 8 months. Simple math. 

I have audio from the call of more than one agent acknowledging that it's clearly only 8 months from distribution and yet " those are the terms. '' Those were NOT the terms.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Dear sir, The credit bureau had reported a false late payment on my credit report file account XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I request you to see Verifiable Proof ( the original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of the verifiable proof, you must remove the accounts listed below. 

Account Name Account Number XXXX XXXX XXXX I have not missed a payment nor have late payments so far on this account. 
I also want all non-account holding inquiries over 30 days old removed. 

Thank you.
Consumer complaint received 2022-06-06
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: Experian Information Solutions Inc. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2022-05-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc. (NY)

To Whom It May Concern : I would appreciate your assistance in investigating this manner within the next 30 days. As required by the FCRA, if you fail to do so all aforementioned information/disputed items must be deleted from report. Account CCB/ XXXX account number XXXX your company has failed to present any date on the account but yet your company is reporting that the account is in collection/ charge off debt purchased by another lender. There seems to be some discrepancy in the last active XXXX reports it on XX/XX/XXXX but XXXX is reporting the last date of activity was XX/XX/XXXX. Which is confusing because your also reporting the last date of payment was in XX/XX/XXXX on an account that has been open since XXXX. 
I've tried to reach out the the creditor but as of XX/XX/XXXX XXXX filed for XXXX  XXXX bankruptcy. To resolve this issue. If you do not initiate an investigation regarding the mater under the fair credit reporting act I will have to take legal action to protect my credit rating which I'm owed up to XXXX dollars. 

In addition please send me an updated credit report reflection these changes have been made. I look forward to an expedient resolution of this matter.
Consumer complaint received 2022-06-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates (NY)

XX/XX/2022 I received a debt collection notice from L J Ross XXXX XXXX XXXX XXXX MI XXXX This was for {$100.00} owed as of XX/XX/2022 on my rental property in Maryland. this was close out on transfer to the tenant. 
I had not previously received a bill. My account was current as of XXXX XXXX. I went online to my account and verified that I was set for ebill. My bank is XXXX. The ebill never showed up or it would have been paid. No paper bill that I recall or can find. I paid the bill directly on line to XXXX XXXX ( first energy ) then called the debt collection agency. " XXXX '' at LJ ross stated that XXXX XXXX now gives all their final bills to them apparently with out actually making any attempt to actually collect them as usual before hand. We wonder if this is a scam as PE was hacked last fall. We wish to know why our credit score which is excellent should be subjected to t his attack with out any notice what so ever. I thought one had to have two notices before things were sent to collections. I emailed XXXX XXXX and attempted to call them but did not have the patience to wait 30 to 45 minutes to talk to a human being. Be wary of this company 's billing practices and the potential for scams with stolen information.
Consumer complaint received 2022-06-06
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act Accounts XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX 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
Consumer complaint received 2022-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/XXXX, I opened a bank account with XXXX. The following day I go to a different branch, and the manager kept looking at us. We told her we wanted to open a business account and to add my boyfriend with my personnel account. When I gave her the fax number she said I couldn't open the business account because my business was in XXXX  and I lived in XXXX. The manager told me there was another account under my name. I was a victim of identity theft. The manager said she added my boyfriend to the account. We went to the teller to deposit the machine, when we get to the front of the line, they really looked at the money as if something was wrong. My card was declined. I told her I was a victim of XXXX  XXXX and they wanted to know if I had any reports. I sent all the information that they needed. She said they opened the accounts and added my boyfriend. I tried to use the card and it was restricted. The next time I went to the back to deposit the money and when I walked out of the bank the card was restricted again. The called me and told me they were sorry and lifted the restriction. I received a check from a bill of sell and went to the bank to deposit the money. They said they would call and let me know when it is deposited. Two hours later, a call said the check was going to be returned. Today, I tried to use my card and they restricted my card again because they think I am doing check fraud. I have never over drafted my account. They have closed my account and I don't understand why they are holding my money. I have done nothing wrong.I been trying to get my funds and they keep saying no and when I ask for a reason they cant give me one I been discriminated by this bank over and over.
Consumer complaint received 2022-06-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Albert Corporation (NJ)

I opened a new account with the app- Albert ( XXXX XXXX  XXXX with a referral code from a friend in order to qualify for their promotional offer of {$500.00} for completing activities ( direct deposit for 3 months and spending at least {$100.00} on the debit card each month ). I opened the account and transferred money from my XXXX account on XX/XX/2022. I received the card in the mail and activated it and used it twice. I had a direct deposit sent to me. Last week on XX/XX/XXXX, I couldn't log into the app, after even doing a password reset and I contacted support to assist me. After going back in forth in both text and email, they told me I was not in compliance with their rules and they would be shutting my account with no further information. I can not get an actual person on the phone, and through the text service they keep apologizing and then telling me to be patient. Then they follow up saying no further information can be given, after I have repeatedly asked them to confirm how my funds would be released to me. They are refusing to cooperate. I'm really upset, I did nothing out of the ordinary and I suspect they are closing the account out of overselling the promised bonus.
Consumer complaint received 2022-06-06
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. (TX)

In accordance with the Fair Credit Reporting act Accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX 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
Consumer complaint received 2022-06-06
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. (GA)

In accordance with the fair Credit Reporting act XXXX Account XXXX XXXX # XXXX XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2022-06-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: P&B Capital Group, LLC (MD)

I have been repeatedly called by P & B Capital Group ( XXXX ) regarding debt for XXXX XXXX, NOT MY DEBT. 
Multiple family members have also been called regarding XXXX XXXX. None of us are XXXX XXXX. 
He is my nephew and does not live with me or any of my family members that this agency is contacting. 
I have told this company and others that I am not XXXX XXXX nor does XXXX XXXX live with me. 
This particular company told me that XXXX XXXX listed myself, my XXXX sons and my XXXX daughter-in-law as contacts ... absolutely NOT TRUE ... I can guarantee that that was not done as I spoke with my family about this issue and was assured that none of us were listed as contacts. 
This particular company is lying..all one has to do is XXXX someone's name and it will listed " contacts '' ... they are not getting our phone numbers from the debtor directly. And all of our numbers are on the do not call list..they get around that by simply XXXX  the names of the debtors and targeting family and friends.
Consumer complaint received 2022-06-06
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)

So I sent a letter off on XX/XX/2021 Here is my tracking number # XXXX to remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy.

Also according to 15 USC 6802, no financial institution is supposed to share my information with third-party people.

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-07-15
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. (AZ)

There's a lot of information that does not match across the bureaus. The accounts are reported differently between the bureaus and a direct violation of FCRA 623 Responsibilities of the data furnishers. Also, please provide documentation that the following accounts belong on my credit report and that my rights have not been abrogated. Additionally, Experian is reporting DELETED accounts from another bureau on my file. Per FCRA, reporting must be 100 % accurate. Please eliminate this damaging data immediately. 

XXXX CARD XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX, XXXX  XXXX Bankruptcy XXXX
Consumer complaint received 2022-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (CA)

We did a loan modification in XXXX. Selene finance told us we had to give the notary a cashier 's check to send in with our signed paperwork, which we did. We were told this was for the XXXX payment. 

We were so excited! 

We made our XXXX payment in two parts ( ahead of the due date ) and made sure to ask them if we could do this. They said it would be fine and the partial payments would be applied to the amount due for our XXXX payment. 

We tried to make our XXXX payment and they are saying we are behind because the XXXX payments were not properly applied to our account. 

Not our fault as we verified all of this. 

Now they are trying to state they never received the cashier 's check for the XXXX payment, which we have proof of it being deposited to THEIR ACCOUNT. 

They are trying to make us late on our payments when we have not been and will not be. We have worked tirelessly to resolve what COVID did to our family.