davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (NC)

1 5 U S C 1 6 8 1 S E C T I O N 6 0 2 S T A T E S I H A V E T H E R I G H T T O P R I V A C Y 1 5 U S C 1 6 8 1 S E C T I O N 6 0 4 A S E C T I O N 2 : I T A L S O S T A T E S A C O N S U M E R R E P O R T I N G A G E N C Y C A N N O T F U R N I S H A C C O U N T W I T H O U T M Y W R I T T E N I N S T R U C T I O N S 1 5 U S C 1 6 6 6 B : A C R E D I T O R M A Y N O T T R E A T P A Y M E N T O N A C R E D I T C A R D A C C O U N T U N D E R A N O P E N E N D C O N S U M E R C R E D I T P L A N A S L A T E F O R P U R P O S E I N A C C O R D A N C E W I T H T H E F A I R C R E D I T R E P O R T I N G A C T XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A C C O U N T # XXXX XXXX XXXX XXXX XXXX, H A S V I O L A T E D M Y R I G H T S 1 5 U S C 1 6 8 1 S E C T I O N 6 0 2 S T A T E S I H A V E T H E R I G H T T O P R I V A C Y.

1 5 U S C 1 6 8 1 S E C T I O N 6 0 4 A S E C T I O N 2 : I T A L S O S T A T E S A C O N S U M E R R E P O R T I N G A G E N C Y C A N N O T F U R N I S H A C C O U N T W I T H O U T M Y W R I T T E N I N S T R U C T I O N S 1 5 U S C 1 6 6 6 B : A C R E D I T O R M A Y N O T T R E A T P A Y M E N T O N A C R E D I T C A R D A C C O U N T U N D E R A N O P E N E N D C O N S U M E R C R E D I T P L A N A S L A T E F O R P U R P O S E S.
Consumer complaint received 2023-07-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NJ)

To clarify, Chase never responded to my letter. I did call their Claims Dept and was verbally informed that we did not prove fraud and would need to resolve this directly with the merchant. Unfortunately, my wife and I were the victims of Fraud. Here are the facts, on XX/XX/23, my wife received an email communication from Chase Bank that our account was overdrawn. She knew that this could not be correct as we had a substantial balance and she contacted Chase Bank by phone, immediately. She was informed of the two XXXX XXXX tickets purchases, {$800.00} & {$840.00}, causing the overdraft. She immediately informed the Chase Bank Employee that she didnt purchase any airline tickets and that this must be a fraudulent purchase. She requested the purchase be nullified and the account reimbursed and closed, to prevent any future fraud. The account was closed, and she was issued a knew Debit card in the mail. The Chase Bank Employee responded that the transaction had not yet been executed and that she would cancel it. My wife ended the call thinking the situation was resolved. To our surprise, Chase Bank later debited the money from our checking account. My wife called Chase Bank, spoke to an employee explaining the above. We then recently received this letter, included approximately 1.5 weeks ago, rejecting our claim, and stating that Chase Bank Claims Division determined that we purchased and/or authorized these two airline purchases. I am including our letter emphasizing that the email and phone information provided by Chase demonstrate the Fraud as they are not my wifes email account and phone and that this is the essence of a fraud case. Chase insisted that she may have multiple email addresses and phones. In other words, the burden of proof of a " negative '' is on us. This is absurd ; we can not prove a negative and would be willing to provide affirmative testimony under perjury penalties that these are her only email acct. & phone #. Additionally, it is equally absurd for us to contact XXXX XXXX as we never made these purchases. 
However, on XX/XX/23, my wife did so any way and the XXXX XXXX employee, ID # XXXX, informed her that XXXX never issued payment for these 2 purchases as these are under dispute. Either XXXX XXXX is lying, or Chase Bank is lying, and we are stuck in the middle, each one claiming the other is responsible. To summarize, my wife, nor anyone else my family, made these 2 XXXX XXXX purchases. They were totally fraudulent purchases. My wife acted immediately to prevent these transactions, close, and protect our bank accounts and acted in good faith. Chase Bank from onset provided inaccurate information, reversed itself and put an impossible burden of proof on innocent victims. I am including all the relevant documents in my fax.
Consumer complaint received 2023-02-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Global Lending Services LLC (GU)

This predatory, unethical, corrupt lending company started the repossession process in XX/XX/2022. They have not honored their Dealer Agreement contract with the dealership, whom used false information to obtain the loan, which specifically says that " if false information is used to obtain funding they will immediately seek a refund from the dealership ". This stems from my vehicle being apart of the XXXXXXXX XXXX XXXX Recall Campaign, caught on fire XXXX separate times while I was operating it, was out of service for over XXXX  days, has had XXXX Engine replacements between XXXX miles and XXXX. 
Due to the XXXX that I have been diagnosed with, due to my XXXX near XXXX  experiences, I refused to drive the vehicle. It was picked up by them in XX/XX/2022. I called and a representative confirmed that they had picked it up and, " they would be emailing me instructions on how to retrieve my belongings " Inside that vehicle were the remains of my beloved XXXX XXXX. Ever since they took my vehicle they refuse to admit that they have it And I have called consistently every few weeks since XXXX of 2022 to ask them for updates on my XXXX 's whereabouts. We as a family are devastated. XXXX of the reps that I spoke to actually XXXX  me for leaving my XXXX 's remains inside the vehicle and said that it was my fault. The children did not get to spend the holidays with XXXX XXXX 's remains and now we have nothing left of him but our memories.
Consumer complaint received 2022-12-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NE)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-30
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

Dear Sir/Madam, I am writing to file a formal complaint regarding an ongoing issue with a fraudulent transaction on my Macy 's account {$49.00} if I'mnot mistaken, which has been unresolved since 2017. Despite my efforts to dispute this issue, Macy 's has failed to correct it on my credit report, and the matter persists, and kow the amount is {$340.00}. 

To clarify, the issue is not that my account was flagged as fraud ; rather, there was a fraudulent transaction made on my Macy 's account that I did not authorize. I have made multiple attempts to resolve this, including contacting Macy 's customer service, filing disputes, and providing evidence that the transaction was fraudulent. However, Macys has refused to remove the negative entry from my credit report, despite the fact that the status of limitations for such transactions has passed. 

I believe Macys is in violation of the Fair Credit Reporting Act ( FCRA ), as they have failed to appropriately address this fraudulent transaction and remove it from my credit history. It is now affecting my credit score and ability to secure credit, and Macys has provided no reasonable justification for why this remains unresolved.

I request that the CFPB investigate this matter and take appropriate action to ensure that Macy 's rectifies this situation. Specifically, I ask that Macy 's be instructed to remove the fraudulent transaction from my credit reports and update their records to reflect that the account. I'm having difficulty getting my life together because of this matter.
Consumer complaint received 2024-12-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Suttell, Hammer & White, P.S (FL)

1. Plaintiff or Collection Agency Information : Name : Suttell Hammer Law Firms Amount Claimed : {$5000.00} Date of Claim Notice : XX/XX/year> Subject : Violation of the FDCPA by Suttell Hammer Law Firms 2. Complaint Details : On XX/XX/year>, I received a notice of lawsuit filed by Suttell Hammer Law Firms, related to an alleged debt of {$5000.00} However, I never received a debt validation letter prior to the lawsuit, as required by the Fair Debt Collection Practices Act ( FDCPA ).

Under the FDCPA, debt collectors must notify the consumer in writing within 5 days of first contact, providing details about : The amount of the debt.

The name of the original creditor.

The consumer 's rights to dispute the debt within 30 days.

In this case : There was never any prior communication or validation letter before the lawsuit.

During the legal process, the only document presented by Suttell Hammer Law Firms was an affidavit, without including the original contract, itemized invoices, or proof of assignment of the debt.

3. Impact : The lack of proper validation denied me the opportunity to dispute the debt or seek a resolution before facing a lawsuit. This has resulted in : Financial stress due to the judgment against me.

Damage to my credit history due to the reporting of this debt without proper validation.

4. Request : Based on the above facts, I request the following : An investigation into Suttell Hammer Law Firms ' practices related to this lawsuit and their compliance with the FDCPA.

The imposition of appropriate sanctions if it is confirmed that they violated the law by failing to notify me and validate the debt before proceeding with the lawsuit.

That the plaintiff be required to produce full validation of the debt, including the original contract and itemized invoices.

5. Attached Documentation : I am enclosing the following documents as evidence : Copy of the notice of claim received on XX/XX/year>. 
Declaration that I did not receive a prior validation letter from Suttell Hammer Law Firms.

6. Contact Information : I am available to provide additional information if needed. Please contact me at XXXX Sincerely, XXXX XXXX
Consumer complaint received 2022-06-27
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. (TX)

This is a formal complaint against XXXX located in XXXX, GA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2022-06-27
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. (TX)

This is a formal complaint against XXXX located in XXXX, GA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2022-06-14
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXXXXXX Account # 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 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this to report five fraudulent accounts appearing on my consumer FICO TransUnion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a loan opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; and a credit card collection account opened on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report, including inquiries from XXXX on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XXXXXX/XX/XXXX. I demand that the aforementioned fraudulent items be removed from my consumer report. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( Private Case Number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2021-08-17
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. (TN)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-08-22
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: Experian Information Solutions Inc. (FL)

I am submitting this CFPB complait to you today to follow up the previous CFPB complaints that I have been submiting to fomplain regarding the removal of the fraudulent accounts and information from my Credit Report. On XX/XX/XXXX, I sent a letter addressed to the Credit reporting Agencies to remove the disuted accounts and information completely from my Credit Report in accordance with the FCRA section 605b. The Letter I sent was already my sixteenth ( 16th ) Dispute letter I have been sending. But despite all the letters and efforts I excert, the Credit Reporting Agencies grew ignorant of their duty and chose to neglect their responsibility with the FCRA section 605b. I have read enough to uinderstand my rights which is clearl beoing violated by the Credit Reporting Agencies. I am now submitting this CFPB complaint for another request of the removal of the following disputed accounts and information completely from my Credit Report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/2015 XXXX  XXXX Balance Owed : {$8600.00}
Consumer complaint received 2022-06-27
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. (MS)

I submitted a Federal Trade Commission report to each of the three credit bureaus for fraud on several accounts on my credit report. I certify that these accounts do not belong to me and the credit bureaus would not provide me with the application used to open these accounts nor any other applicable items. There are several accounts listed on my credit report that do not belong to me. I contacted the companies, as well as XXXX, Experian, and XXXX, and they were also not timely with a response. The fraudulent accounts include XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and two fraudulent inquiries by XXXX  XXXX XXXX, and XXXX XXXX.
Consumer complaint received 2024-12-02
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: MIDFIRST BANK (VA)

Today I applied for a saving account at Vio Bank ( actually Midfirst Bank ). After entering multiple pages of accurate and verifiable personal information, my application was instantly rejected without any reason given. 
When I called Vio Bank and spoke to XXXX, who declined to give his last name, he was unwilling or unable to provide any reason why my application was denied. He did read me a long statement about " adverse decision '' which did nothing to answer my question. 
Vio uses an outfit named XXXX XXXX to investigate applicants for things like excess check orders and mishandling of accounts. They call themselves a " Consumer Reporting Agency '' which they say is " similar to a Credit Reporting Agency ''. When I called them, they confirmed that there was no negative information under my name and SSN. I downloaded a copy of the report that was provided to Vio and confirmed that to be true. 

XXXX did not seem to understand that Vio is violating one or more Federal laws each time they reject an application without providing a reason to the applicant. Those laws exist to prevent discrimination and abuse. Vio needs to comply with those laws. 

I am an outstanding credit risk, an outstanding citizen, and an outstanding depositor. I am ready to deposit hundreds of thousands of dollars into an account at Vio. I'm not sure how a bank can be successful when they turn away people like me.
Consumer complaint received 2022-08-22
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It al states a consumer reporting agency canno furnish a account without my written instructions. 

15 USC 16668 : 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 2023-07-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NY)

In XXXX, I applied for a mortgage from several companies, including rocket mortgage. The Rocket mortgage representative identified themselves as XXXX XXXX, XXXX # XXXX. They said over the phone that I would be able to get a ~6 % interest rate by buying points at a significant discount. I asked to see this laid out in writing. He pressured me to pay {$500.00} over the phone so that I could lock in the rate he was verbally quoting, without putting it in writing. He said that we wouldn't be able to put the discount in writing, and sent me the quote without the discount. 

When my partner asked about what the interest rate would be without paying for points, XXXX did not present that to me, or my partner. Instead, he said that the breakeven point for paying these points would only be a year. When we calculated what the actual breakeven would be, it would have been 4 years. 

He deliberately mislead me to try to get me to buy the points by underestimating the tiem to break even.The also misled me as to what the real cost of the loan was due to his lying about a " discount ''.