davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CO)

I made a {$5000.00} payment on one of my chase credit cards. Unbeknownst to me, the default payment account had defaulted to an older account I dont use. I didnt notice this when I made my payment. 

As a result My payment was returned to to insufficient funds. Chase mailed me a paper letter stating the payment was returned. By the time I got it, my payment was late and reported to XXXX XXXX causing my credit to drop over XXXX points. 

I have been a customer for XXXX years with a perfect payment history. Ive never been late before, and use online banking for everything including the alerts I get from chase that they received my payments, or I have a payment due. Why chase didnt send me an email Notifying me the payment was returns baffles me. There is zero grace for an honest mistake and obviously an attempt to make a payment was made. I immediately rectified the mistake when I got the paper notice, but by then it was too late. I called customer service and received a sorry its all automated nothing we can do. 

This lack of customer service, especially for a loyal customer with a perfect payment history is beyond disappointing. Additionally the communication method used for such a time sensitive and important issue is unacceptable, especially when I have text alerts and email as my preferential forms of communication. They did not give me an opportunity to correct an honest mistake in a timely manner and as a result my excellent credit rating dropped to fair. The lack of attention to the matter when I called is also beyond disappointing. This is especially disappointing because we were in the middle of trying to get an RV loan that was offered to me at an extremely high rate due to the negative impact on my credit score.
Consumer complaint received 2022-09-19
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. (IL)

In accordance with the Fair Credit Reporting act, the following accounts/account numbers have violated my rights : 1XXXX XXXX XXXX XXXX XXXX Account # : XXXX 2. XXXX XXXX XXXX Account # : XXXX 3. XXXX XXXX XXXX XXXX XXXX Account # : XXXX 4. XXXX XXXX XXXXXXXX Account # : XXXX 5. XXXX XXXX Account # : XXXX 6. XXXX XXXX XXXXXXXX Account # : XXXX 7. XXXX. XXXXXXXX XXXX XXXX Account # : XXXX 8. XXXX XXXX XXXX Account # : XXXX 9. US DEPARTMENT OF EDU Account # : XXXX 10. US DEPARTMENT OF EDU Account # : XXXX 11. XXXX XXXX Account # : XXXX 12. XXXX XXXX XXXX  Account # : XXXX 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 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them
Consumer complaint received 2022-10-26
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: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-05-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (PA)

Called mortgage company, Freedom Mortgage, ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX( spoke w/XXXX ), and XXXX, as well as 3 emails, from company 's website. Calls were made as initial investigation into refinancing existing mortgage. Was told I would receive reply within 24-48 hours. NEVER received any response! Filed an application, online which was acknowledged, by email, on XX/XX/XXXX. No contact since. 
Feel frustration about lack of ability to speak with anyone, other than those fielding calls, at toll-free number.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

This account was charged off on the following date : XXXXXXXX XXXX CHARGE OFF. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights AND HAVE COST ME CONSIDERABLE AMOUNTS IN CREDIT APPROVALS. I am demanding a DELETION of the following accounts : XXXX : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX : XXXX XXXX XXXX BANK XXXX Equifax : XXXX XXXX XXXX XXXX XXXXXXXX Equifax : XXXX XXXX XXXXXXXX XXXX  XXXX
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (WA)

The company sent me an invite as a current US Bank customer, to a new branch opening opening at, XXXX XXXX XXXX XXXX, XXXX, WA XXXX. On the mailer I was sent, it offered a free pair of bluetooth headphones if you made an appointment in the branch before the end of the month, XX/XX/XXXX. 

I had regular banking to take care of such as a deposit, a withdrawal, and questions about opening an additional personal in business credit card. I made an appointment during the first week of open. I showed up for my appointment, spoke to two very friendly and helpful women. However, I was told that they ran out of the promotional item. Customer service, which I did. Customer service said to work with the branch, who directed me back to customer service. So I'm in a loop. 

I'm frustrated, you indicated I had to the end of the month to make an appointment. I made an appointment during the first week and yet you are still not honoring the promotion. 

Please help.
Consumer complaint received 2020-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 
The tradeline listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 
In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

I've recently looked at my credit report with XXXX transunion and XXXX and noticed they are reporting several incorrect incorrect inconsistent information on all XXXX bureaus with XXXX XXXX acount # XXXX I've disputed this account more than XXXX times in the last XXXX years and they keep violating my federally protected rights.the XXXX  violation is transunion is reporting a high balance of {$2900.00} experian is reporting {$0.00} and XXXX is reporting {$0.00} high balance that is violation of 15usc1681s-2 the next violation is they are reporting incorrect date of last activity and violating 15usc1681e ( b ) transunion is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX and XXXX  is reporting XX/XX/XXXX as date of last activity.the next violation is open date transunion is reporting XX/XX/XXXX XXXX  is reporting XX/XX/XXXX and XXXX  is reporting XXXX0as the open dates the next inconsistency is close date transunion is reporting XX/XX/XXXX XXXX  is reporting no date and XXXX  is reporting no date as the close date.the next violation is past due amount transunion is reporting {$1400.00} XXXX  is reporting {$1400.00} as the past due and XXXX  is reporting {$0.00} as the psat due amount.the last inconsistent information is the payment history transunion has none reporting XXXX  is reporting repeatedly charge off and XXXX has no payment history reporting according to fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.delete XXXX XXXX  acount # XXXX transunion XXXX  and XXXX  credit reports immediately and pay me {$1000.00} per each violation.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My address is incorrect on my Transunion and XXXX credit report, it should read : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (FL)

AFNI began correspondence with me XX/XX/XXXX regarding collections of {$130.00} for acct. # XXXX. In responding to their claim, we have been going back and forth regarding this matter with the latest letter from me dated XX/XX/XXXX. I have made countless requests asking for documented proof of an agreement between myself and their customer ; they were only able to provide my final bill. 
Dates of communication : XXXX XXXX - my response was XX/XX/XXXX AFNI XX/XX/XXXX mailed me a copy of my final bill- AFNI XX/XX/XXXX mailed a letter stating their verification of the acct with the customer- I responded XX/XX/XXXX AFNI XX/XX/XXXX mailed another letter stating their verification of the acct with their customer- I responded XX/XX/XXXX AFNI XX/XX/XXXX third letter stating their verification of the acct with their customer- I mailed a letter XX/XX/XXXX to both AFNI and Comcast regarding the standstill of possible resolution and their responsibility to provide due diligence to ensure accuracy of their claim. 
AFNI XX/XX/XXXX mailed the same form letter a fourth time stating verification of the acct.- I responded XX/XX/XXXX AFNI XX/XX/XXXX letter stating their previous investigation and how I have not provided any new facts to warrant a valid dispute.- I responded XX/XX/XXXX explaining my intention to file a complaint with CFPB and FTC. I have not received any response to date.
Consumer complaint received 2022-07-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Comerica (MI)

I have a master card direct express card and I get my XXXX on it on the first of every month this month on the first they allowed five people who I didn't know with the letters of in front of there names take more than a hounded dollars each out of my account and when I called to get it taken care of the man told me that he would put a hold for 7 days on the money and I had to call this number XXXX and ask that these people XXXX evens, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX would please give me back my money I never altherosized them to take it in the first place and need a cancellation # and ask for how long it will take. That was on the XXXX of XXXX at XXXX I then call the number for the rest of the night and next morning getting nothing but a busy signal only to find out that the card had given them my money anyway so I called back and had to deactivate my card get a new one and do a despute on these charges that I never altherosized that I made clean to the first person I talked to. I just want my money back I don't understand why I am being scammed by someone and why people are not listening to me about it.
Consumer complaint received 2020-10-08
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. (NV)

These are not my accounts. This is the 2nd request. Please remove them as they are not my accounts listed on my credit report. I have attached my personal documents to depict my personal information. I am not a credit repair company either.
Consumer complaint received 2020-05-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (MD)

We received a letter on XX/XX/2020, from American Coradius International, LLC, toll free phone number XXXX. It states we owe the following and should pay the amount to the address below, it also states we can pay {$470.00} as a partial payment. 
Creditor : XXXX, XXXX Account Number : XXXX Reference Number : XXXX Amount : {$630.00} Make Check payable to American Coradius International, LLC., XXXX XXXX XXXX XXXX XXXX, XXXX, NY. XXXX. 

My statement : I take paying my bills very serious and if I owed XXXX money I would have paid the debt, but this debt is sent to a XXXX XXXX, which is not my name nor the name of anyone in my family. We do not owe XXXX any money, nor have we ever owed XXXX money. After reviewing the XXXX and the XXXX community forum, we noticed there are dozens upon dozens of postings that contain similar cases such as ours relating to the American Coradius International, LLC l. ( ACI ) located in New York. Many users and even non-users of XXXX were contacted by this company trying to fraudulently collect money from home addresss that had fictitious names in the Salutation of the letter. 
We are disputing this for the following reasons : we have not used our XXXX accounts for a very long time ; our accounts show no balances ; there have been no transactions for years ; XXXX has never contacted us about this ; and the letter is addressed to someone that is not us.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The address that is reported is incorrect from the one that should be .. ( XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX ) is what it should say. Not ( XXXX XXXX
Consumer complaint received 2020-05-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Not able to connect checking account to existing XXXX or XXXX XXXX for automated savings Tuesday, XX/XX/2020 : Customer service call to Capital One 360. The customer service employee informed me those two applications no longer were supported because they didn't want to support them. After researching the topic online, I realized Capital One did a software update about a year ago that made it impossible to connect new accounts to those applications. Since it's been a year, I can assume they have no intention of changing that and should have clearly explained that during the account sign up process. I would not have signed up for the checking account had I known they didn't work with my savings and investing plan.
Consumer complaint received 2020-10-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Strategic Alliances, Inc. (GA)

First Financial Asset Management This company continues to call me up to XXXX or XXXX daily and hangs up when I answer. On the off chance someone is on the other end, they ask for my SSN with no context. This company needs to contact me via mail moving forward as their attempts are borderline harassment at this point. This debt has not even been verified.
Consumer complaint received 2021-11-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ADP Inc. (CA)

After submitting a complaint to the CFPB, # XXXX, ADP responded XXXX paying a portion of the outstanding payments to the IRS and California XXXX XXXX Department XXXX XXXX. ADP promised to pay the penalty and interest charges that were incurred because of the error ADP had made in XX/XX/XXXX. I have sent many emails after the partial payments had been made, but I am getting no response from the company. As noted in the previous complaint, email is the only method for reaching ADP. The penalty and interest charges are still accruing at the IRS. The XXXX penalty and interest charges were paid by me and are no longer accruing, but they should be reimbursed to me by ADP. The combined charges are approximately {$8000.00}. Your agency deemed the case closed after contacting someone from ADP. It is clearly not closed as ADP has only met a part of their responsibilities. 

My intention has been to close my business and associated banking account at the end of this year, as I will be retiring. It is my understanding that ADP needs the bank account open to reimburse me for the penalty and interest charges. This will incur an additional {$800.00} estimated payment to the California XXXX, plus an additional tax return running about {$1000.00} ( based on past charges ). I believe ADP should reimburse me for these costs if they do not reimburse the other charges before the end of XXXX. 

It is unreasonable for ADP to take almost a full year to make amends for their error. I have tried diligently to work with them, but it was not until I contacted the CFPB that some response was made. I assume you can retrieve the details of my earlier complaint.
Consumer complaint received 2021-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

I dont use the account often but I had an insurance payment issued into it so that it would be safe and saved for a new car when I was ready then when I finally was ready I went to withdraw the money and found it had been stolen and someone made a {$5000.00} withdrawal and a few other purchases with my card I still dont understand how because I still have my debit card but I reported it and the bank Denied it once saying that I had to prove myself innocent but how do I prove myself innocent Im a victim of fraud not a criminal
Consumer complaint received 2020-05-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (SC)

Fifth Third Bank sent out refy application XXXX XXXX. Started refy application, filled out packet sent back XXXX. Was sent email asking for information thru XXXX. Had delays because of Virus lock down, XX/XX/2020 asked for additional information. XX/XX/XXXX, emailed again, asking for same info.XXXX XXXX, XXXX XXXX called saying he could not find emails. Resent next day saying please contact to let us know you received info. Have not heard back since. Left messages on his phone everyday since, no reply. Asked XXXX XXXX, original contact to mail us the Home appraisal which we payed for up front. No answer either. Found Manager of refy left 12 messages on his voice mail, no return call. No one has returned a call, this is my only way to go now. Thank You for time XXXX XXXX XXXX, XXXX XXXX