davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am writing to formally file a complaint against EQUIFAX, XXXX, & XXXX, regarding a violation of my rights and the inaccurate information being reported on my consumer file. This inaccurate reporting has not only caused financial distress but has also had a severe impact on my mental wellbeing, resulting in XXXX for both myself and my family. 
I BELIVE EQUIFAX, XXXX, AND XXXX, has violated the Fair Credit Reporting Act ( FCRA ), specifically Section 611, which mandates that consumer reporting agencies maintain accurate and up-to-date information on consumer files. In reviewing my credit report, I have identified the following inaccuracies : These inaccuracies have had a significant and detrimental impact on my financial profile and my ability to secure credit, loan approvals, and reasonable interest rates. Despite repeated attempts to rectify these errors, I have not received a satisfactory resolution from EQUIFAX, XXXX, AND XXXX I would like to bring to your attention the profound impact that this situation has had on my mental health and the overall well-being of my household. The constant stress, anxiety, and uncertainty caused by these inaccuracies have plunged my family into XXXX, affecting our quality of life and ability to function optimally. 

I kindly request the Consumer Financial Protection Bureau to immediately investigate this matter and take appropriate action against THEM. I believe that the inaccurate reporting and their failure to rectify the situation has not only violated my rights under the FCRA but has also caused significant harm to my household. 

Please find enclosed copies of supporting documents, including credit reports, correspondence with, and evidence of the impact on my family 's mental health. I trust that the CFPB will act promptly and diligently to rectify this situation Thank you for your attention to this matter. I look forward to a swift resolution and justice being served.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (TN)

This matter was concerning Solar Panels purchased for my residence. I was sold the solar panel by a company called XXXX XXXX and I was informed by XXXX XXXX of the steps i would have before actually being able to use my newly installed solar panels. I was also told by the salesman I WOULD NOT be required to start making payments on the solar panels until they are working and I am satisfied with the results. Consequently, my solar panels were installed however activation was delayed several months. I consistently called the company all while my solar panels sat waiting to be inspected and to be given the ok by the city for 10 months. Through this ordeal I was being told by XXXX XXXX that they were working on the situation however I was unaware that XXXX also known as XXXX was billing me and reporting me as late on payments. THIS IS BAD BUSINESS AND IMPROPER!!!! 

In accordance with the Fair reporting act this creditor has violated my rights. Under 15USC1681 section 602 states, I have the right to privacy. 15USC1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (NY)

My husband and I have been customers of Chase for decades. We have also had Chase credit cards for decades. We have NEVER been late paying our monthly balance. This past month, we sent in our payment as usual, as soon as we got our bill. Because of the US Mail, which has been decimated by Covid-19, apparently Chase did not get our payment before the due date, or at least it claims it did not. 
It therefore charged us {$28.00} in fees and {$30.00} in interest. 
We feel this is outrageous profiteering from Covid-19 and will not pay either the interest or the fees. 

The interest and fees were imposed on our payment for the month period ending XX/XX/20. 

We called the bank and it declined to do anything about it.
Consumer complaint received 2023-09-23
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC (MI)

on XX/XX/2023 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX breached my rights to privacy by gaining access to my credit report without my permission. this caused me to have a hard inquiry on my credit report causing my credit score to decrease. A violation of 15usc 1681n made by your company.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (NY)

American Express National Bank did not answer any of the questions mentioned in the CFPB complaint with the case number XXXX. American Express National Bank must sue me immediately in the court, or explain why American Express National Bank did not and will not sue me in the court for the {$10000.00} debt in my credit report wrongfully reported by American Express National Bank
Consumer complaint received 2017-12-05
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (CO)

The XXXX XXXX is Diversified Consultants. This is for a XXXX XXXX bill which I do owe and I will pay. The balance is {$1600.00}. 
I get daily calls from the # 's below which I have blocked but new # 's keep calling me. They do n't leave a voice mail they just keep calling me at the # 's below. 

XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX There are more calls from XXXX, CO, XXXX, CO that have been blocked and some from XXXX CO
Consumer complaint received 2024-09-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Affirm Holdings, Inc (TX)

I have repeatedly initiated a transfer of my account holdings from a savings account held with Affirm. It has been declined XXXX. I spoke with customer service on the phone several times and been assured there is no issue with the account. Nevertheless, I am unable to transfer the funds to my checking account with another institution. There is no reason provided.
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

During the pandemic around XXXX of XXXX, I've been receiving some debt collection company Midland Credit Management ( MCM ), their office is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I called this company during in XXXX but they wanted my to pay. I remember reported these issue back in XXXX or XXXX to XXXX XXXX Police Department but i have lost all the documents. 

I have no idea why this company is wanting collecting money from me, I remember a police officer XXXX of XXXX XXXX police ( email XXXX ) called me XXXX this year and reported that A person was arrested who unfortunately got my Drivers 's License but uses a different picture. That man 's name is XXXX XXXX. I am linking all this problem to him since he stole my identity. 

MCM send me a letter on these dates XX/XX/XXXX and XX/XX/XXXX wanting to collect XXXX MCM send another letters on XX/XX/XXXX XXXX is collecting XXXX and another leter is collecting XXXX I have some XXXX reports from XXXX credit bureau for collection that i also don't know the origin. 

I was advised by the credit bureaus to free my accounts
Consumer complaint received 2017-12-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX XXXX, I have been trying for several months now to get transunion credit bureau and XXXX as well to report my XXXX XXXX credit card information onto my report I have contacted XXXX XXXX several times and they assure me that they are and have been reporting my information to all 3 Bureaus Transunion included, and have sent me copies of the information of the dates etc. that they have been reporting .However when I forward this information to Transunion the only response I get from them is Letters stating that I am correct this information is not on my report. I have been very clear on what I need done and have sent them copies of the information ( letters from XXXX XXXX ) showing all pertainent information. The problem is they continue to ignore what the letter states that needs to be done and again all I get back from them ( TRANSUNION ) is That I am correct my information from XXXX XXXX is not on my report .Just and FYI, I am a XXXX Veteran XXXX XXXX XXXXXXXX and am trying to purchase a Home for my Family my score has been calculated by the mortgage company to increase to the score that I need to be able to purchase my Home for my Family this calculation ( score ) comes with XXXX XXXX information being reported on my report. XXXX XXXX is doing there part however Transunion is dropping the ball on this issue and I would like to get this rectified A.S.A.P. TO ACCOMPLISH MY DESIRE TO PURCHASE A HOME FOR MY FAMILY .IT HAS BECOME VERY FRUSTRATING AND I NEED YOUR ASSISTANCE IN THIS MATTER IMMEDIATLEY THANK YOU XXXX XXXX XXXX LAST 4 OF MY SOCIAL IS XXXX ADDRESS IS XXXX XXXX XXXX XXXX XXXX FL XXXX DOB XX/XX/XXXX CARD NUMBER INFORMATION ON REQUEST PHONE # XXXX XXXX XXXX PHONE # XXXX XXXX XXXX BACK UP #
Consumer complaint received 2023-09-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P. (VA)

I received a call from Paramount Recovery regarding a possible medical debt. I asked the rep on the phone if they could provide a debt verification letter. The woman refused and put a supervisor on the phone, who then asked how I was paying to resolve the debt today. I then asked again if I could please have a debt verification letter sent to me via paper mail and was told that is not possible.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am disputing inaccurate and unverified information being reported by TransUnion regarding an alleged debt from XXXX XXXX XXXX XXXX for a XXXX XXXX account XXXX TransUnion claims to have validated this debt ; however, they failed to provide the key detail of the original XX/XX/2013 open date in the documentation I received. 

This origination date was provided by XXXX in CFPB case XXXX ( see attached letter ), but was never disclosed in XXXX 's previous dispute responses for XXXX earlier CFPB cases : # XXXX, # XXXX, # XXXX, and # XXXX. The attached letter is what this debt collector keeps providing, but this letter shows new information that has NEVER been provided before and that is the originated date. Where is this date from, and where is my signature agreeing to this date? 

Despite multiple disputes, TransUnion continues to report this debt without verifying the accuracy of this debt collector 's debt and not providing documents on how the originated date of XX/XX/2013 came from, with my signature agreeing to this so-called date. This represents a failure to reinvestigate disputed information under the Fair Credit Reporting Act reasonably. 
By persisting in reporting this unverified, inaccurate debt information, TransUnion is in violation of the FCRA provisions regarding negligent or willful noncompliance for failure to conduct reasonable reinvestigation and to remove disputed information that can not be verified.
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (FL)

I am writing to dispute the accuracy of a collection account listed on my credit report under the account XXXX XXXX XXXXXXXX ]. I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. 
According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. 
Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response.
Consumer complaint received 2024-09-24
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I recently received a judgement at my work for a wage garnishment. The original judgement was from 2016, I received the paper work a few days ago, which is 8 years later. I have no idea what this debt is and was never notified of this debt or the judgement. The court records say I was served back in 2016 which is false. The company that claimed to have served me in person is in XXXX XXXX, which is over XXXX miles away from my residence. I see there are many complaints agains Portfolio recovery management for fraud and shady business and collection tactics. This judgement doesnt even show up on my credit, which I have been actively tracking. I have no idea what this debt or judgement is and now this company is trying to illegally garnish my wages.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am writing to formally dispute the following inquiries on my credit report, which are unauthorized and fraudulent : - XXXX XXXX  XXXX XXXX ( Multiple inquiries on XX/XX/XXXX- XX/XX/XXXX ) - XXXX XXXX XXXX  ( XX/XX/XXXX, and XX/XX/XXXX ) - XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) - XXXX XXXX, XXXX ( XX/XX/XXXX ) - CAPITAL ONE BANK USA NA ( XX/XX/XXXX, and XX/XX/XXXX ) - XXXX  XXXX XXXX ( XX/XX/XXXX ) I spoke with a representative from XXXX who informed me that the reporting income was tied to an employer, XXXX  XXXX with whom I have never been employed. This information is not only inaccurate but also fraudulent. 

I have already contacted all three credit bureaus ( XXXX, XXXX, and XXXX ) to request the removal of these inquiries. I am asking that these fraudulent inquiries be removed from my credit report immediately.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (MA)

XXXX evrthing seem good my cell phone my XXXX went XXXX  and started acting funny didnt make much of it so I lefy iy alone and it seemed to me I would have to nuy a anew XXXX XXXX move all my accounts my XXXX and other information was counterfitend and then use against my will here is the result of this XXXX move XXXX XXXXXXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2017-12-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

OnXX/XX/XXXX I applied for and was approved for the Bank of America XXXX XXXX XXXX XXXX XXXX. My application qualified for a promotional offer which stated that I would receive XXXX XXXX rewards points if I spent at least {$1000.00} on the card within 3 months from the date the account was opened. 

After spending more than {$1000.00} on the card, I called Bank of America customer service in lateXX/XX/XXXX. I told the representative that I planned to return several items that I had purchased on the card and asked if that would affect my spending requirement to get the XXXX rewards points. The representative confirmed that I had met the {$1000.00} spending requirement, told me that returns would not affect the bonus offer, and said that I should see the points appear within several weeks. However, more than 6 weeks later, the points still did not appear in my XXXX rewards account. 

I called Bank of America on XX/XX/XXXXto inquire why the XXXX points had not appeared in my XXXX rewards account. The Bank of America representative confirmed that I had met the spending requirement, told me that the points should have been credited to my XXXX account, and said that I should contact XXXX. I called XXXX the same day, and the representative told me that they had no record of a transfer from Bank of America, so I needed to resolve the issue with Bank of America. I called Bank of America a second time that same day, and the representative told me that she would put in a request for the points to be credited. 

Several weeks later, I received a letter stating : The bonus offer required that you spend at least {$1000.00} within 90 calendar days from the date the account opened to qualify for this cash rewards bonus. You didnt qualify for the XXXX bonus because the spending requirement wasnt met within the required timeframe. 

This letter contradicted what I had been told by three separate Bank of America representatives. I called Bank of America again inXX/XX/XXXX to inquire why I received that letter. Again, onXX/XX/XXXX, I received a letter with the same language as the first letter, stating that I would not be awarded the XXXX points.
Consumer complaint received 2024-10-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXXXXXX XXXX XXXX  charged my card $ XXXX I called my bank to file an unauthorized charge dispute form in order to retain a refund.., they emailed me a form to fill out. The form was completed moments after, and emailed back. When I called to follow up the next week as to why I havent received my refund yet, customer service seems to have disregarded what transpired in this unauthorized transaction and this is Unacceptable!!!! Ive been banking with them for years and to get no proper response back on the matter is quite irritating. I am losing my business because I need my money back in order to move forward, so by Bank of America allowing this unauthorized charge and not looking any further is also insane.
Consumer complaint received 2023-09-22
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.